Hi @Steve Theobald,If  you're having trouble going conforming on these try Washington Federal.

I'm buying some infill lots from a county government.

Poor job growth, and outside of government and universities, not many other employers.

To get the numbers to work you target purpose built rental properties (multi units and apartments) where the value of the property is governed by the rental market.

Try the Hull area across from Ottawa, plenty of government workers renting there.  

I also have a federal license for my other business activity.

Your investment is at the mercy of the association and its Board of Directors.Some associations welcome investors and are renter friendly and others despite the governing documents permitting rentals are not rental friendly at all, which leads me to my next point.In addition to the REI due diligence you're already doing for the area, the property, rent etc. another very important aspects of this purchase are the governing documents.I would advise anyone who is considering purchasing a townhouse within an association to carefully read the governing documents before making an offer on the home.

Banks either have portfolio loans or government sponsored loans.  

If we have enough support, they will not pass the ban.We cannot let the local government win.

While the state government may have created red tape/permits specifically for real estate, there is not a statewide general business permit.