there are so many posts here that I disagree with both in favor of and opposed to mentors/coaches/gurus that I don't know where to start so forgive the rant. 

(This HVAC guy did not recommend minis as he said they can go into disrepair in 3-5 years, as opposed to central a/c which lasts about 20 years.)Does anyone have other thoughts?

Maybe she wants the income as a monthly check as opposed to a windfall sale with potentially higher tax consequences, etc.

I'm not opposed to this program but am somewhat confused by all the somewhat ridiculous fair housing laws that real estate people have to tiptoe through and then they offer these special deals to only this select group of people?

Like you mentioned the remaining credit is applied to the principle if you pay off the loan or refinance (which is likely, since you are probably going to refinance to eliminate the PMI in the next 1-4 years) as opposed to a permanent buydown where you cannot recoup the permanent buydown aka paying points. 

We're not opposed to taking a risk or switching lanes, but we're not really experienced beyond single family and duplex properties. 

Who has a septic as opposed to city sewer and why.

This is the route that the agent will want also because they are getting both sides AND they will get their commission ASAP as opposed to 6 - 12 months.

@Nithin Thampi You will likely get more bang for your buck buying an existing property as opposed to new build which often has higher cost per sq. ft. than existing properties will.

Can terms be 500/mo for 360 months as opposed to 50k for 30yrs @ 5% interest?