I just wanted to quickly clarify what the $149/year cost for Lula includes.

This doesn’t include any raises or bonuses.No kids yet, but we plan to have them down the line.Both of our credit scores are over 800, and we have no debt.The plan:I know sellers don’t always love FHA loans, and they can be tough to get approved for, but I’d like to use one to make this work.

I completed this a few months back but never got anything to prove it (other than the screen print showing filing successful) so I've been a bit worried by it.  

Next Mortgage Note will include full loss of interest on the investment property for the GCDid you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

The overall LTV (including all 3 mortgages) will be key and your selling point will need to be that the 2nd mortgage ($8k) will burn off in 2.5 years (based on your surprise that it was even out there, I'd recommend that you follow up in 2.5 years and ensure that it's been satisified, so that it doesn't surprise you again in the future).Does the $8k grant vest over the 5 years? 

Common fees will include a set-up fee, a leasing fee for each turnover or a lease renewal fee, marking up maintenance, retaining late fees, and more.

Heck, I had a pool replastered for $3,700 including chemicals/setup. 

And when it comes unraveled, implications CAN BE extreme, INCLUDING jail/prison time for it. 

It included a Google Voice phone number, and the scammer answered calls pretending to be me, using my real name.

Make sure you have a solid lease, your tenant knows your expectations, how are you going to screen them, etc.