FHA even has a construction loan - FHA 203K Loan - to help with financing the work needing done and simply adding the repayment to the mortgage cost.

@Forrest Faulconer - Thanks for the swift feedbackI honestly don't have a lot of information about comps in the area because our house is pretty unique to our market (a walk-out basement with a kitchen is pretty unique), so it is difficult to use non MLS tools to tell us too terribly much.

And there are a few companies (very, very few) who penalize their loan officers for loans that sell to fast because as correspondent lenders they may have to repay their premium.

I don't know how many clients I've had come in with a sizeable loss only find out that the mortgage repayment is supposed to be a balance sheet entry and not on the P&L.

This is a unique market here it seems.

The rest of your pro forma figures haven't accounted for the annual ~$40k mortgage repayments (on 25% deposit).You're not thinking of paying cash for it, are you?

Now, I am in a unique situation where I haven't been able to find answers online.The situation:I purchased a  duplex to house-hack in Oakland, CA with an FHA Loan for $710,000 which is now my primary home.

I currently am in a unique situation with Covid as I can work anywhere and am past the point of my current primary resident multiunit where I could again qualify for a primary residence loan. 

I know every deal can be unique but I'm looking to put together a list of possible options for negotiating "terms" for future deals.

Property is very unique, before and after running into this I couldn’t find anything like it on the MLS.