People have different circumstances but I just like the premise of another great book, Think and Grow Rich, it takes lots of failures and successes and persistence to get to where you are. 

If they find out, they can get really intrusive and they do not care about your circumstance.

What if circumstances require a cashier's check instead of a wire, how difficult (or not) is it to order one?

This is different than being a certificate holder & the distinction between certificate holder and additional insured is significant3.

Yet somehow I did not have the lady taking the packages on camera (maybe she did not and it was weird set of circumstances with packages delivered to the wrong address).   

Maybe your situation is different and if you don’t feel comfortable in the neighborhood then this may be a moot point anyway.As for FHA, my understanding is that you must intend to live in the house for a year  it sounds like you did intend to, but due to unexpected circumstances- lead exposure and unexpected unsafe neighborhood- you have to move.

Certain circumstances may require additional guarantors, however, just one will suffice most times. 

Finally, depending on the circumstances at the time, we decide how much should be held in reserve against future contingencies.

You need to work with someone who can help you according to your specific circumstances and resources.

David David,It completely depends on the tenants circumstances.