A mistake Investors often make is thinking that the HUD FMR applies to every property of that bedroom size. 

And there are some surprisingly affordable places there.Maybe my thinking was that I could constrain my research and 'education' to that specific geography and then apply what I learn to other areas I might consider.

Therefore my only way is to apply to the municipality for an update, I want to explore this option but I have no idea where to start..?

Or am I misunderstanding the meaning of what an exception is, or how this exception is applied?!?

It changes with the market.It is important to understand what a rule of thumb is and apply it to the market you want to invest in.

We applied for a traditional cash out/refinance on the investment property but were denied because she's only been employed at one job for 1 year and 2 months (they wanted 2 years).

While the usual saying "you get what you pay for" obviously applies, I'm flabbergasted that people are ready to invest hundreds of thousands of dollars in a foreign country but have an issue paying a likely small amount in relation to that to make sure they don't end up making a bad investment.Hope this helps!

People apply 6 different ways to get aid.

The combination should help you develop new strategies (money applications), and how and where to apply these strategies.2 - You don't need money, at least your own money. 

Here's our advice about selecting a PMC, you may want to read it and apply it for better results in the future - coincidently, we do use tenant screening as an example of what owners should ask more questions about!