@Stephanie PotterThat's very informative, thanks for sharing the latest revision on FHA guidelines, as well as the link.I may be wrong but if I follow your math on the last bullet correctly, an FHA down-payment required, may include 3.5% + 1.75% (upfront MIP), thus, lender financing up to 94.75  vs 5% down-payment conventional enabling a 95% financing.

Your local MLS in MD is connected with MD-VA-DC and enables you to pull lists of absentee owners from tax records that includes their mailing addresses and full names.Doesn't cost the Realtor anything but time (<5 min to pull a spreadsheet of a zip code, or to pull 2-3 individual records).

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Your wife's full time job is what has enabled you to focus on your investing and grow the way you have.

You said you have this party's address so write a concise letter introducing yourself as the property owner and asking for clarification of the situation that enables them to rent out the lot. 

I tend to interact more with the tech-enabled BDs and dont often talk to the traditional ones too much, but one BD told me last month that few BDs will place anymore.

Enabling me to get to the $500 easier and also take out more money when needed. 

Another point to think about is that if you can 2-3x your 1M in the next 5 yrs, that could enable you to buy a 10MM property by yourself.

The use of technology available to all of us enables remote service.

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