My screening criteria still applies (with income requirement reduced) though.  

As I'm writing this, I'm thinking about the deals I'm working on now, and I'm using at least 10 different ways, or combination of ways, to accomplish this.The first part of your answer, and the most important part of it, is you have to learn how money works, before you can understand how to apply that knowledge into "no money down" deals.

There are many rules that apply to these, and it may not qualify with such a short holding period. however since she bought it with the clear intent of renting it may qualify. 

Like above, what government authorities do I need to work with, where would I go to apply for permits, etc. 

It only applies to 3- and 4-unit properties (not SFRs or duplex) bought using FHA financing.

Get all the properties appraised by a pro...so there is no argument as to their value...when the time comes to apply it.  

Try federal law, mortgage brokering, there is no exception for individual to individual, that does not apply at all in making loans to just any individual.

He required a $5,000 deposit and then a higher monthly payment with the "extra" applied to buying down the purchase price.If the buyer defaulted, he would keep the $5,000 deposit and he had the monthly payment that was higher than it would rent for.

This applies to anything.

My wife will be the only one applying for a mortgage.