As there is no cashflow during this period this may not be an ideal scenario for everyone but we are all cash buyers building out a portfolio that will provide income to keep our current living standards once we retire from our day jobs in 5-10 years. 

City water and sewer, 55+ parks are a dream investment.

That probably means sellers will more often rely on the X% that folks vaguely believe to be the industry standards. 

FHA does not have a clear definition in their guidelines, but most lenders have stability standards, depending on several factors (contract length, previous employment, etc).

LVP flooring is not waterproof or even very water resistant just so you know.

I considered ordering the lender's inspection/appraisal, but this wasn't an option because the water and electricity are currently turned off, and HUD won't turn them back on until I have submitted earnest money of $2,000.

Out in water and sewer lines.  

Insurance rental license once per year water bills since Section eight doesn’t cover that on duplexes with 1 meter.

A nice touch is to provide some nice metal shower curtain hanging rings already installed on the rod and a nice translucent milky colored shower curtain that fits, brand new sitting on top of the toilet tank waiting for them when they move in- so they can take a shower and not have water go all over the floor for the first few days.

You could let her know that you are too small to make reasonable accomodation if the stairs become an issue, but probably not worth it.As far as rent to income ratio, this is something you should set before you start taking applications, then stick to your standards.