As of now, it appears with all the uncertainty and chaos that corona has brought, banks are a bit hesitant about lending doing 5% down conventional loans, which was our original plan.That being said, FHA very well might be our best bet.

I bet they can get a month or two free if you find the right deal. 

I am totally guessing, but I bet that there are not separate utilities for each apartment so the landlord would be paying for all the electrical, water and heating costs. 

There are quite a few themes out there that you can use, the most popular I have seen is "Houzez" on themeforest, which costs around $60.

It make the case the "drive to" spots are going to become increasingly popular due to the perception of greater safety. 

Thank you.With a low down payment and no experience, your best bet would likely be to house hack. 

Some of these functions have moved to bigger stores or are popular in malls too.

And with credit freezing and rates going up a bunch.. you can bet the folks that dont know what they dont know are going to be falling for these scams left and right..

I think your best bet is to do your own research. 

You aren't my client, but if you were then I'd invite you to double down on that bet, it sounds like there's a strong case for you being right.