The most common reasons I come across are: the owner died, can't find heirs.

And even IF there are violations leading to enforcement, the most common type of enforcement action in these violations is that the accused doesn’t admit to any wrongdoing but agrees to never do it again, LOL.  

Is this a common trend? 

Once you have steady employment, look for a place where STRs are allowed, with an in-law suite. 

However, with rising property prices and rents not keeping pace, it’s becoming more common to see 0.7% to 0.8%.

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?

Super common in Chicago. 

These self employed 2nd mtg's are typically based on alternative method of caluclation like profit and loss statements if you're self employed or the last 12 months of bank statement deposits using a formula to derive an income from these deposits (like 50% of all annual rolling 12 calendar month deposits X 50% /12 months = monthly income).

Commonly it's gas.What about electric and gas?

What are the major employers in Waco, besides Baylor?