In either case, your PMC should be doing a better job of explaining to you what is the cause of all this. 

What harm or loss did you suffer?

VRBO, if you can even get in touch with them, tell you they're sorry and lots of cancellations are causing major delays in refunds. 

Mortgage rates will be back down it's not "if" it's a "When" and that is very soon keep in mind the rates took a dramatic drop end of December into the first 2 weeks of January but it was too short of a window for the media or general public to notice until the 1st CPI index report with "Garbage numbers" so it caused a pull back on the bond market and MBS.There are some loopholes right now in FHA, VA and Fannie Mae since we are seeing more "Margin" built into pricing.

The more efficient solution might be to purchase from Grandma with the 25% down..you ca use the income to help qualify and obtain gift funds or other sources for the down payment.

I can tell you that a BRAND NEW duplex that is being built is being bought by majority of FHA loans; however I still think a investor can make a return since this market will cause a slow down in buying soon basing this off if interest rates go up!

Most young people are unable to buy their first homes in the area, and STR's have moved from the quaint fishing cottages around the harbourside to more residential areas, and have caused their fair share of problems.

They forged documents, have the assessor for king county as one of their CEOs (my property was in Clark county WA but my property title was changed in King county WA where he WAS the assessor) hsbc had to pay me and countless others for bad foreclosure practices and that caused them to go bankrupt and my loan was floating and I essentially owned home free and clear due to terms of the contract stating that if loan was to be sold that hsbc my husband and I and the new proposed lender had to all meet in person and sign new paperwork permitting the transfer of the loan which never happened.

What about S8 tenants abusing utilities and causing damages?

If it continuously happens, it soaked into the concrete, which causes a whole new set of problems.