After working with Navy federal credit union, I was able to get approved for ~600k(1-2 unit SFR), 30yr foxed,4.5%interest, 0%down, and 2.2% VA funding fee which is wrapped into the loan. 

They don't need to follow the federal rules.

Im 39, from federal way, WA and trying to get into real estate buy n selling.

I’m working on an application for membership with Navy Federal Credit Union. 

Certain HOA/POA bylaws and CCRs violated the 14th Amendment and Federal Fair Housing Act as recently as the 1980s-90s. 

If the property is already bank owned, the old debt is cleared...EXCEPT for sometimes utilities, sewer, trash, and possible Federal liens. 

@Dustin Ruff In the past I would try to avoid any kind of housing investment where the local, state or federal gov has much ability regulate.

ITINs are issued by the IRS to individuals with a federal tax filing or reporting requirement who don't have and aren't eligible for a Social Security number (e.g., foreign nationals and resident/nonresident aliens).

The terms were much better through the credit union, 1% lower interest rate, 30 year term, 75% LTV. the advantage to the federal loans is the ability to take out non-recourse debt, but for us the other perks outweighed that value.

It is a daily challenge to navigate the local, county, state and federal governments; local Code Enforcement, Housing Authorities, Department of Real Estate, Franchise Tax Board, Secretary of State, IRS, Dept. of Fair Housing & Employment, HUD...to name a few.