Because of the nature of these programs, some cities have 15 year forgiveness clauses. 

If they are well behaved and not aggressive in nature I'm good. 

I could see a lot of entry level folks working in those hospitals/universities being forced to go South due to rising rents in West Philly (by 30th Street and beyond) so Grays Ferry would be the natural progression to remain close and have reasonable rents.

My end goal is to have as diverse of a portfolio as possible and possibly supplement the income of my current job.I have been reading about how fixing and flipping is a JOB.

So the natural thought pattern was convert.. 

If the underwriting is following Fannie Mae guidelines, then this section applies: B2-3-01, General Property Eligibility; Property Requirements (pg. 273): The mortgaged premises must beresidential in nature as defined by the characteristics of the property and surrounding market area (see B4-1.3-03, Neighborhood Section of the Appraisal Report) ...suitable for year-round use.Seems like you should be Okay. https://www.fanniemae.com/content/guide/sel041514.pdf

I am pretty sure it is a natural gas pipe, and I want to find the products that hook up to it.

If you look at how the sun shines and the wind blows there, and think of the space as an outdoor room to be lit and warmed by the sun, and cooled by shade and breezes, the natural solution will probably become apparent.Have a ball!

Maybe it will cost $75 + 2 hours.Let mother nature do her job with sun and rain.

This will have some relation to the size of each unit, so a natural question is what are the sizes of the units in bed/bath and square feet.