Looking at Hampton / Newport News area. 

HML traditionaly are for short term lending situations NOT buying rentals.. some have morphed into a rental product.a few others to consider.Visio LendinghomeLendingonethese are legit..who is not legit is usually one off people that advertise on facebook..and other places.. offer rates that are under industry averages.. then hook you for a small application fee that turns into scam money and you never hear from them again.unfortunately real estate is prime ground now for Nigerian prince scam type things.Couple reasons .. the Internet  the huge demand by those that have never bought real estate or a rental entering the market and have no real experience to understand the industry or what is real and not real.

Make an anonymous call to the A/C Companies you're considering  in advance and tell the receptionists that they're company a potential target of a local news station for a coming up special on Area A/C Rip Off companies.  

The good news with HUD is they pay top dollar and always on time.  

Man, I have such bad news for you.

(for those not in the know, see http://www.cbc.ca/news/canada/edmonton/speculation... for details) Seems that actual details are light and not even solidified yet, however it sure is causing a lot of panic locally, especially for those that own properties to live in on a part-time basis.

https://www.tmj4.com/news/local-news/some-beaver-d...

YUP not only that land loans are tough  to get period.4% is not even in the realm of reality.. and just look at the English in what you posted.the loan business has been infiltrated by the Nigerian prince scammers..

They had paid $135K in 2002.Another friend posted TV news footage of the neighborhood as their boat went past our friend's house.

Currently under construction is a waterfront community right on the Hillsborough River, including Amateur Works (dining and bar scene), apartment complexes, event halls, and commercial business offices, ect.http://www.tampabay.com/news/business/realestate/t...Jeff Vinik and Bill Gates have also began a plan to invest 3 billion dollars into rejunivating the city, which in result is increasing the values of all the suburbs surrounding the city.