Lurkers: Whenever you have a mortgage imminent or underway, you NEVER do any significant/unusual financial transactions without checking with your LO.

Fannie Mae subsidizes interest rates and loan terms, so if you want that subsidy then your LO needs something that can be sold to Fannie, which is where the profit is at in mortgage lending.There are non-Fannie Mae loans that do not care about FNMA rules, but you also lose the FNMA subsidy on the rate and terms.

As well as all of the LO's that have been criminally prosecuted!?

These are not good properties for LO. 

Why don't the states or feds say here is a contract that makes the person, if they default, can be evicted in a LO. 2nd here is the same contract that allows a person if they default have to be foreclosed on.

And on top of THAT, you're specifically trying to use FHA...Honestly, I think your LO is being more than a tad bit optimistic.

stackables are generally smaller than normal. the small ones hold up the worst to wear and tear. tenants try to over stuff them. i recommend lo end appliances for rentals so if you need to repair or replace you're not shelling out major cash

Try contacting these people.https://www.ridgelendinggroup.com/https://snmc.com/lo/aaronchapman/

I was residential loan officer/mortgage broker from 2000 to 2008 and a Realtor since 1993.  2008 and the next few years were difficult times to be in real estate finance so I jumped to bank owned sales during this time, so I have both perspectives.Both as an LO/mortgage broker and real estate agent I would regularly have banks/lenders ask for a comp-based appraisal and a rental survey on 2-4 units properties; which is Fannie Mae Form 1025/Freddie Mac Form 72. 

., you, the investor) receiving a L/O: all day long and twice on Sunday.Giving a Consumer a L/O: no-go.Search "Lease options" and "Texas" (and variations thereon) for lengthy discussions on why you don't do that.