The use of online classes has been increasing every year and are projected to continue to increase.

check the local municipal code, most are online.

Now keep in mind nothing in RE is for sure..

Keep in mind that many of these cheap homes are selling for less than a third of their insurance replacement value, which really means that the land has negative value - let that sink in.Most buyers who can actually qualify for a mortgage will get a PA for $200-300k and desperately want to upgrade their life.

This used to be a non-issue for FHA buyers up until 10 years ago when HUD stop allowing buyers to use their appraisalsKeep in mind your agent is not dealing with HUD directly. 

You can find different strategies on how to find and reach these folks, such as driving for dollars, targeting mailing lists, networking with Realtors and other wholesalers, and having an online presence, plus paid social media ads, etc.

Mind your own business - the house - send these people packing and give it to your insurance company.  

Keep in mind that rates does not fully translate everything.

Even though I myself have a S8 rental, what you hear online is completely false.

Check out the free content online of Bill Faeth.