Here is the key: Don't pay for anything until it's done to your standard.

I would recommend buying a standard SFH with opportunities for an ADU, or a split floor plan where you could rent out the rooms!

You want to know whether the mentor will cater to your specific needs or simply follow a standard program.6.

I believe the standard vehicle liability is $300,000 while the average settlement is less than $60,000.

That is very standard.

A standard roof that use to cost $15,000 to replace, is now well over $30,000 to replace in many areas of the country. 

We rent to plenty of S8 applicants; I've always believed the standard of care they exude is as high if not higher than "market" applicants because they'll get kicked out of the program if they don't.

The rules and payment standards vary significantly from one area to another, so familiarizing yourself with the local housing authority's procedures is key.

It is my belief your current situation is not a bad position (it is a goid position that will improve with time).  

Reason why is because FDIC Bankers "Do Not" charge points on traditional programs like primary homes, standard investment purchase and refinance, Second home/vacation homes.Lenders, Brokers all charge points to meet their Loan officer compensation plan (commission).