All this fancy mumbo fha guideline gumbo means is that your projected market rents assuming all units, if it were rented Times 75% need to be greater than what your monthly payment is  (PITIA = principal/interest/taxes/insurance/assessments monthly), other wise FHA will not lend at that loan amount so common solutions to this when rents are too low in your local market are to put more money down payment which defeats the whole purpose of low 3.5% down FHA doesnt it?

What are you talking about.All of the other investor-members above laid out an easy solution for a typical problem and also accurately stated that a lawsuit is unnecessary and won't work. 

@Stephanie MbayaLSU's high rental demand and affordable property prices make it an ideal location for house hacking.

And there's a 147 unit section 8 apt complex being developed as well - in an "affordable" area. 

Any time the tenant causes a problem, they should pay for the solution.

There's a lot of flipping opportunity here as well, especially for affordable homes. 

I'm not at the point where I can afford $1000/month for bookkeeping, but $200/month is possible.

if your doing a senior project I would suspect your best and most cost effective landing solution is going to be a local community bank that loves real estate.. in my experience most will want 50% down on the dirt and a ton of experience and a really strong balance sheet.Myself I always pay cash for the dirt this makes finding a lending partner much easier.

Affordable housing is still a hot topic.

This is a more affordable option but only protects against named events.Comprehensive Coverage: Often called “all-risk” coverage, this protects against most unexpected events, except exclusions like flooding or earthquakes, which usually require separate policies.