However, when reading the FHA Loan Contingency Exhibit, section 20 reads: Home Warranty:If the improvements on Property are less than one year old at the time of Closing, Seller shall, if required by FHA, provide a home warranty certificate acceptable to FHA.Does this mean I have to personally warranty any issues on the property that may arise within a year or buy a home warranty from a company that offers that.

Once I had the right person to speak with, things went much better, and I hope that is the case for your situation, too.  

We take a "whole person" approach.

My personal credit score is a 780 and I have multiple other properties but still not busting the DTI metric. 

The more people living in a building, the less personal responsibility each tenant feels.

Work with a CPA familiar with SDIRA tax implications to plan accordingly.Private Placement Memorandum (PPM) review – Ensure the syndication allows for IRA participation and that the deal structure aligns with IRS rules.Direct Purchases with Non-Recourse FinancingLender requirements – SDIRAs can only use non-recourse loans, meaning the property secures the debt, and your IRA isn’t personally liable.

Another option is a personal loan, but positioning it as a home remodel (rather than an investment property rehab) could improve approval odds.

I personally am not trying to build a portfolio of 100 doors, I am trying to build a portfolio big enough to support our ideal lifestyle. - We start with the property vs. the numbers. 

(Cost Basis – Land Value) ÷ 27.5 = Annual Depreciation ExpenseIs the land value the year I bought the property for personal living, or when I started renting it out?

EVERYTHING is recorded, accessible by management.We do NOT allow our staff to use personal cell phones as can't track or record.