Now I work for the government and I get paid to go to school.

Specifically, this bill would 1) only allow short-term rentals in a primary residence, 2) would limit unhosted rentals to 30 days per year and 3) would not allow local governments to make short-term rentals available for longer than what is allowed in this bill.

I see from your profile that your a government employee.

Yes I currently work for the federal government full time with a very flexible work from home schedule.

I have a couple section 8 properties in SC and I love the program.My area pays 110% of market rents.Section 8 inspects my properties at least once a year to make sure tenants are taking care of property and I find out if anything needs to be repaired.The Government direct deposits most or all of the rent into my account.Tenants in my experience take care of the property so that they don't loose the free government money.

I'd check the property records to see I the address she gave was seized by the government or foreclosed on. 

I've been researching wraps on VA loans and find conflicting advise, some are doing it and some say title companies have been prohibited from closing wraps on government backed loans.

Still the rents are high because of Section 8 and Eden government assisted rent programs that pay $$$ (think $885 for a 2bd) for properites with very little appeal. 

The purchase of a license (read all material from the governing body in your area.

20% is the barrier of entry in Canada.Rarely do I see short term scenarios where a bank will fund a project with less, and the one I have seen was a very special circumstance.Relationships with private lenders will give you your downpayment if you find a property in your target market that justifies their investment.The new Federal Government incentive doesn't help much but may be an option to consider.