You can try and fight it but does not mean you will be successfulI would also be curious to see what your property insurance looks likeFor me this is just another example that home prices are gonna eventually have to soften as between taxes, insurance and Interest rates home affordability is very challenging

Keep up the self education and try to figure out some sort of unfair advantage that you may have.

We've got tons of Churches in the ghetto where the pastor calls me trying to sell the building to me for 20x what it's worth. 

Talk to someone more knowledgeable about what your trying to do.

I was trying to use the basic version today and uploaded some records and it looks like I can do anything with it! 

For me, I am a little hesitant because I would be in a situation where I would be trying to secure traditional lending (which should be very feasible given credit scores & what $$ amount I am pre-approved up to from my banks), meaning that I assume I would be forced into using my first-time homebuyer loan incentives.

I've tried to include relative information, without writing a novel. 

No sure My Lori is in your Ex wife league but she is trying Hard :)  next year we will have to have a sit down about all these close and such..

Try this link: Publication 5653 (6-2022)

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.