My husband and I are at the trailhead and just getting started, so we're working on defining our goals now.

@Lauren Kennedy, as others noted, I would first define a goal.  

In real estate, procuring cause is most important in defining who is getting a commission.  

I am defining closing costs as the money that the title company charges. 

I've read and heard the term a-b-c-class neighborhoods but unsure what generally defines each type? 

Occupancy in a residential dwelling unit (single-family, duplex, and multifamily) is restricted to:one family as defined below (Section 5.1.2) and not more than one additional person;It basically would restrict you to only being able to rent to one other "family unit".

Buying with cash but using a "portfolio" loan to refinance - I'll define these loans as loans that come from the bank's own "portfolio" of money.

You define your criteria.

It seems to depend on how you define "in the past year".Thank you!

Let me add a bit from investor perspective or at least how we define investor friendly agent for our team.