To my knowledge , nowhere in the rule book does it say that your profit needs to be made available to seller .

Might be worth having an attorney look over your HOA rules regarding actions by your neighbors affecting your property but talk nice to your neighbors first.

We are having trouble finding any property that meets the 1% rule, or any numbers that make sense to us for that matter.

Because it makes me wonder, "is it distressed because the owner has let it happen or because the Acworth Market doesn't support a multiplex?

Title companies do not cast judgments on these types of deals as long as they are arms length.. your risks are the bank gets wind of the transfer and calls the note.. as long as you have the ability to refi or pay it off.. to protect the 15k or so you going to put into it.I don't know about UTAH but there are some very tough rules in OR and WA when dealing with someone in foreclosure.. is this their primary resi or investment? 

So I'm wondering if anyone else has had issues with their bank not knowing the Fannie Mae rules on seller paid closing costs?

I think you will find that most real estate rules don't apply in Southern CA and especially in highly sought after communities like Irvine.  

I believe it's CFPB 7/17/16 final rule, requirements are there.

It did not seem large enough to support that model.  

Keith -  MegaCorporations that are health insurers/hospital/family practice/everythings that gobble up a city and literally buy up all the doctors, change the insurance rules to screw everyone but themselves, and the paperwork...don't get me started.