We now have 4 DSCR's and 1 primary residence loan.

Primary residence 10-year ARM How did you add value to the deal?

Our leases state that residents are responsible for the first $100 of repairs regardless of cost. 

As a retired CPA, I always used the ratio of the tax assessor's valuation unless I had a qualified appraiser's report to confirm otherwise.

I am not 100% sure what will qualify you with an FHA loan - maybe someone else can chime in for that.

Please note, you still need to meet the first test to fully qualify as a real estate professional. 

Then you just moved to a place you moved to not because you want to live there but because it has cheap rentals. agreed and you need a great w 2 to qualify for rental loans as well.. if anything selling and buying a house hack 4 plex and maybe another one with 20% down  ??

If the buyer is not qualified and really can't afford this downpayment, crediting them the money back isn't going to solve the problem.

You can’t protest that the seller got a discount you don’t qualify for.

I've bought a total of 8 houses in my life, while I can't touch many on BP, that's a lot to me...mix of primary residences as live in flips, normal primary, and 4 investments.