If so, all the digital files are part of the .zip file that's sent to you immediately after you complete your purchase.  

You should easily be able to get a 5% down conventional loan on a property with up to 4 units.  

Hi All,Newbie finally getting ready to pull the trigger, I have 40k cash to start out with BUT NO CREDIT + no income, meaning unable to get any conventional/bank loan.

Might I be able to switch from FHA to a conventional with 5% down?

Later she found out that the deed that the seller singed had the parcel number off by 1 digit.  

Sorry, but if you're looking for names of lenders you will need to post in the Marketplace.Portfolio lenders are going to require similar down payment to conventional.  

I have a lender that I use for my personal loans that thinks outside the box, but with all the regulations in Dodd frank here is what they advised me:Regarding my current house (Primary): 30% Equity to offset payment with rental income for FHA purchase or 25% Equity for a conventional purchase.

Not to mention you can get good rates with conventional or FHA loans with a lot less down than bank financing for investment properties. 

Furthermore,  the location of rooming house are usually tightly regulated.On top of that, conventional lenders tend to turn-away from rooming house, particularly in the environs of a university.Where you have kitchens in both the upper and lower unit and have fire-separated the ceiling of the lower unit have you formally separated them into a duplex (as a way to avoid an occupancy by-law)?

That's the issue - you are outside of conventional standards.