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?

Hi Conner, this is very common with MTRs.

Super common in Chicago. 

You’re making one of the most common—and biggest—mistakes most wholesalers make.If you need to ask, “Is wholesaling still a thing?”

From time to time I will hear of people who utilize it well and gain business from it. 

Great question and a common one that many face!

Utilizing the years of experience from the people on the forums will allow me to talk intelligently with a realtor, the property manager, the seller, and so forth.  

You think through the major systems in the house (roof, exterior or tuck pointing, hvac, plumbing, electrical, unit turns, common areas) and if they are all new you should be good for a few years (5-10). 

Rent out part of the space at least to help pay for mortgage and utilities.  

Only when the owners has to pay the utilities because the units are not separately metered.