You might want to explore Athens or Decatur, still within commuting distance to Huntsville government jobs, but real estate prices not so high. 

That means it is a crime to convey later, although the government gets immunity for selling it to you, of course.  

People have all kinds of proposed work arounds, but that's good until it is time to sell or the government decides to crack down and they do now and then. 

There is a strong negative sentiment with current government that will be instantly overcome with new government whoever will be.

The Conventional Rules For a Cash Out LoanFannie Mae and Freddie Mac are the Government Agencies that sponsor conventional lending.

Cajun Underwriters Reciprocal Exchange is not a government program. 

It's the government.

That means that all other liens (except local government for things like sewer, demolition, etc) are no longer on the property.

An FHA government loan allows for up to 96.5% financing up to 4-unit property. 

Lending would cease over night and government bailouts would commence.In my area of NE Ohio we are considered disaster free and generally we do not have any of the catastrophic issues that other parts of the country do... welp until last week when three tornados rampaged across three counties ripping down trees, power lines, roofs, siding, and putting over 500k people without power for a week - some still don't have power nor will they until all the trees are removed from the power lines.