In addition, you need to know the current Legal Rents in the records of HCR (DHCR) for each apartment as they will be rents that you will most likely be stuck with and you will not have the ability to increase rents to cover Rehab or your investment.

Most of them are however I am "thinking" I may have a shot a negotiating additional money off if I can say to builder that I know they are not paying the realtor fee.  

All of the above, and they will look at your personal debt to income ratio and likely need tax returns whereas hard money doesn't need that. 

I don’t know where you’re doing business and I’m not an attorney so in addition to actually going to the HUD office you should seek legal counsel.

For mid-term specifically this is probably more of an issue because it will take time to get those additional reviews and recover.  1 review every 3-4 months if they leave one. 

However, when I design my own house in the future, I plan to accomplish this in addition to other green energy features.

Try this device to measure the noise: https://www.amazon.com/Indicator-30-130dBA-Detector-Temperat...You can also stick the same device by windows and doors to see if temperature drop - which would indicate an insulation issue.In addition to getting an Energy Audit, you may also want to look into any state, local or utility programs that offer discounted or financed energy improvement programs.

Many lenders will charge additional rate increase if loan is under $150K.

Just finished a master's degree while working full time and came to a realization that more school (med school) would just mean more debt and more hours working for someone else.

At no additional charge.