Three houses and 100K equity, start looking into strategic asset protection.

First of all, keep in mind that both the programs you've mentioned are designed and set up for first time home buyers who don't have a huge down payment, they are not set up for real estate investors, so a strategic approach is warranted.With the Freddie program, to do units, you would need 5% down instead of 3%. 

I am interested in developing a strategic approach, sharpening my research, and gaining cash flow over time through additional property acquisitions.

.), a bunch of idiots "strategically default" and allow their homes to go into foreclosure, and those foreclosed upon people are your new tenant applicants.There are a lot of BP members on here that purchased in 2007, rode the storm for a decade, and are now sitting on hundreds of thousands of dollars of equity. 

Down money is not really my concern or an issue, just trying to strategically get approved.

I guess for me the difference is the area's importance to the city's strategic growth and activeness of policing and security efforts.  

Webb.In any case, do you think Sparta is more strategic than Cookeville as far as investment properties?

Also, I strategically plan for long term.

Ever wonder how Donald Trump strategically goes bankrupt so many times and yet he is personally very wealthy?

The challenge is a strategic personal residence short-sale on his record from just over three years ago.