HUGE changes coming in FHA loans and spot approval process

Earlier this week I got an e-mail from Ryan Dailey at Prosperity Mortgage regarding the changes coming to FHA loans. Spot approvals are not going away, in fact they are becoming easier in some regards. Lenders that have their own FHA underwriters will be able to streamline the process with in house "Direct Endorsement Lender Review and Approval Process." The change I am most excited about is that the owner occupancy ratio is currently 51% and will be changed to 50%. This doesn't seem like a large change- and isn't in a building of 100 units. But in a four unit building (like my listing 2121 2nd Street) with 2 owners occupants and 2 investor owned units- this makes a great difference! Also projects of more than four units were previously allowed 10% with FHA insurance and the limit will be raised to 30%.