Although the property is worth way more than the loan we are needing and the secured collateral lien is really a sure safe bet and some easy money for someone willing to take the chance that isn't in it for anything other than to flip their money for profit/wanting to add to their portfolio, this would be an good opportunity for someone just starting out in real estate investment even.

Choice is clear.

Plus, the population growth and job market around Tampa keep driving rental stability, making it a solid choice for both cash flow and long-term equity.

That’s the best bet.

Should it simply be one of two choices: deny application or accept application with ESA exemption even if the property qualifies for the FHA exemption?

They completely wasted my time due to lack of knowledge and organization to my file; then changed their offer as if I had no other choice but to take it.

You might have to dig into off-market deals, though, since inventory is tight.Multi-Family: Always a safe bet if you can snag a good deal.

Airbnb gives you the best bet at getting both. 

They charge $500 a month plus a $350 set-up fee plus whatever you spend with Google or Bing to run the ads.DIRECT MAILIf you have a pretty healthy budget to spend, then direct mail might be a good choice for you.

I’ve never actually been legally owed money before so I was green on how to handle things while trying to be understanding and respecting other lifestyles and career choices.