The banks aren't lending unless you have 2 years in the same career field so I took that as an opportunity to make all the adjustments now so that in 2 years when they finally decide to lend I'll be okay to go.

FHA will always have mortgage insurance, but FHA's loan level pricing adjustment for multi-unit is far kinder, so you will get a way better rate.

Inland Empire is really expensive and you may find other places that are not as cash intensive.

If that still doesn't work, then they'd look for slightly different homes and make adjustments based on square footage, # of beds/baths, garage, pool, etc.So my first advice is: find a realtor who knows the area, and get them to pull comps from the MLS  using the above approach (and not using an automated valuation tool).Only once you're fairly certain of the ARV are any of your other questions even worth considering. 

Their game plans are to convince the person they don't know enough, and to keep upselling to a more "intensive" training until the person is maxed out on credit cards and has exhausted savings and then move on.What is even more despicable, when they hold their mass gatherings in hotels, they berate anyone publicly who asks any question that shows a healthy skepticism as being negative with a bad attitude instead of addressing the person's concern in a professional way.

I do not think it has anything to do with Amazon.They are also opening many stores that are also cover by Amazon same day delivery.Here most of the closing was related to Walmart Express (a failed idea) and an store location adjustments.

The Committee expects that, with gradual adjustments in the stance of monetary policy, economic activity will expand at a moderate pace and labor market conditions will strengthen somewhat further.

Take my numbers and adjust the interest rate as compared to what the Fed is expected to do with rates...what's that do to monthly payments and affordability?  

The fees should be basic; an application fee to start underwriting (I would say $500 or less is appropriate depending on the circumstances of the borrower and deal (meaning how complicated and time intensive the deal is)) and the origination fee, which can be anywhere from 1% - 2.5% for rental property  loans.

But, when they aren't met, we seem to adjust them down.