We were told that if you do not have a homestead and you get a refinance loan, they automatically treat it as if it's your homestead.

I've (briefly) checked out Homeaway and VRBO, it doesn't appear that either offer an API to create/update bookings, so it's unlikely that there's a 3rd party app or website that allows you automatically manage your properties' availability. 

So I always hated hard money buy I never really knew why , probably because I use to hear so much negative stories about people experience that I never really took the time to really understand how it works so I automatically would shut it down with hearing terms or doing any calculations.

I enroll every property as they are leased, tenant is automatically covered, and I roll the cost of their coverage into a monthly charge to ensure reimbursement.

I do not want to do FHA again as I feel I will qualify for a conventional loan and it will automatically streamline or put 20% down.

It's not automatic, and they're a lot more work. 

This way I didn't sound like a robot regurgitating information, or just like a guy obviously trying to push them to buy.

Bottom line, don't disqualify them automatically for it.   

A semester before finishing I switched to Robotics Engineering thinking I could get a nice wage as an engineer and invest on the side. 2 semesters before getting my B.S in Mechatronics in Cal State Chico, I got forced out of school due to financial aid being cut because undocumented students had a time limit of 2 years with financial aid that I did not know about in California.

88% Net to Hud including commissions is the lowest bid that will automatically be accepted by HUD.