Governments will make decisions on what to do regarding COVID mortgage deferments & evictions.Long-term investment: Undeveloped land prices are continuing to rise in places like WV, WY, and MO.Speculative play: Buy Ethereum (ETH) on the dips.Parking spot for cash: Tezos (XTZ).

This isn't a protected class federally but it sometimes is at the state or local level.If they do have such a law, you have to take a Section 8 voucher (conversely, if that law exists, people in your area couldn't do what I do, which is ONLY take Section 8 tenants). 

My stance on it is that the government surely will change the rules at some point and that if you can contribute Roth or convert to Roth at a "reasonable" tax rate, that it's probably better to do that now. 

I’m only paying federal and state income tax on these withdraws and I’m not required to pay it back.

Not perhaps the usual purpose for that, but it was a mechanism to allow me to withhold and pay taxes and UI (my wife is a Schedule C filer with one employee so I am very familiar with the tax withholding and remittance to the government processes).They averaged about 35 hours of work per week (some weeks more than 40 and got overtime, others less) while they were there. 

Local lender - Perpetual Federal Savings Bank How did you add value to the deal?

-There are specific laws that govern short term rentals in multiple places throughout Florida, and anything within an HOA restricted community will likely have a complete ban on anything less than monthly rentals.

The Underwriter is correct you cannot get an owner occupied low rate government loan on a house that you cannot owner occupy.

And always, of course, the kind of people who tend to work for local government services here are really good at kissing their boss's butts and very little else, so mistakes/oversights/imbroglios/cluster****s happen all the time.

Keep in mind over the last year that for much of that time you were prohibited from charging late fees if the property is under a government backed loan program.