Buyer can request higher coverage based upon perceived value vs. contract price, actual consideration, other scenarios. 

They didn't want to be perceived as picking off the best properties for themselves, so now, they invest in multi-families.

Make the option based on seller and/or other financing don't reveal the FHA.I'm a little confused here, you usually disclose the type of financing in an offer if there is a financing contingency, you can say FHA financing and not reveal which program.Having more than one contract on a property and not disclosing that to the lender can get you in trouble.An option is perceived as a means to control a property, but it is not, I can give you an option and later sell subject to the option.

I've also continued with my schooling and am about to receive to Associates degrees this year (Liberal Arts and General Studies), which aren't much to me but a resume builder/job marketing ploy... but hey, anything to help my perceived intelligence and get me a higher wage/salary is great :D.

I perceive buy and hold as sort of a long bet on an area and a property.  

With fees generally $2,000 or more (I want to say we got GFEs at around $2,500 in lender fees), it didn't make sense to us to pay what we perceived as an additional 4%+ for these properties.

Everyone talked in generalities, most likely due to people not wanting to give up their perceived competetive advantage in the market.

Some places have the AV as a fixed fraction (e.g. 1/10) of perceived market value, but again it depends on their assessment date.

As far as taxes, I’m more concerned about paying on the perceived gain on the property.

If I perceived it as a threat I would have your husband call the police.