@Mike D'Arrigo That is correct Mike every banker either selling directly to FNMA or indirectly through a correspondent bank like Wells Fargo, Ever Bank, has different guidelines on top of FNMA.

Make sure you have a closing or title company who can do your closing.You can always just buy it with your own funds if you have it and then resell if needed.Dont bring a buyer and put them in direct contact with the seller as you might find yourself out of the deal with nothing made on it. 

Or, do such programs seem too broad and indirect?

Welcome, there are also ways to structure the mortgage insurance as points paid so that it can become tax deduction but most loan officers will not know how to do this or even the significance of why they should do it for a home owner.Points paid are a tax deduction to a buyer of a primary residence whether you pay it or a seller pays it or you indirectly pay for it by electing for a higher rate.

Since I've been indirectly involved in real estate for 20+ years, I thought I might as well get my license and become an agent.

If this is the first time they're hearing that you do this, you should ease into the conversation with them and take an indirect approach.

Outside Denver but in areas served by Denver Water (often indirectly) water is more expensive. 

Paris III - I am not a lawyer, but according to section 5-12-080-E of the CLTO yes, you had 10 days to notify herIn the event of a sale, lease, transfer of ownership or control or other direct or indirect disposition of residential real property by a landlord who has received a security deposit or prepaid rent from a tenant, the successor landlord of such property shall be liable to that tenant for any security deposit, including statutory interest, or prepaid rent which the tenant has paid to the transferor.

Such a quid-pro-quo deal is simply inserting someone who is not a disqualified party to your IRA as a means to indirectly use your own IRA capital to benefit yourself.  

So far I've only gotten a couple calls from the first two batches in round one but I'm going to keep at it all the same as persistence is the name of the game in direct mail.