Good morning! I couldn't find a thread that addressed this topic. The client is living in a storage building and calls it his primary residence. What is property type and is it even considered a dwelling under HMDA? Does there need to be a kitchen and bathroom?

The image below is similar to the subject, but our subject is even bigger. Hopefully this image shows below.

[img]http://tinyhouseblog.com/wp-content/uploads/2012/06/tuffshed-barn.jpg[/img]

Does it meet the definition of "residential structure"? If so, and it sounds like it does, it would be reported.

Check this thread out: https://www.bankersonline.com/forum/ubbthreads.php?ubb=showflat&Number=1685332

Thanks for that thread! Very helpful. Looks like the consensus is to report. If it was built in a factory and transported to the site, would I classify as a manufactured home?

(By the way, were you able to see the image that I linked?)

It shows as a link, but yes I was able to click and view it.

Whether it's manufactured or not depends on whether it falls under under HUD's manufactured home construction and safety standards (24 C.F.R. 3280.2).