And for HOA directors to consider reducing or eliminating the fine I need to submit a letter.

Is there a way with multi family financing to get a carryback from a seller to eliminate my need for a down payment? 

Raising the standard deduction will virtually eliminate the need to claim the mortgage deduction for many homeowners. 

I've moved here from Huntington, West Virginia and love the idea of minimizing or completely eliminating my cost of living expenses.

I've moved here from Huntington, West Virginia and love the idea of minimizing or completely eliminating my cost of living expenses.

Family of 4 with mother, 500 credit score, you should have eliminated them in the pre-screening process and not allow them to put in a application.

They don't have to.I try to stay just a bit below the median for the type of house (I don't have any duplexes) and area.The rounding up on the income requirement may in fact hurt you, but as you say, if what you want is to eliminate anyone on the edge, that will do it.I think Matthew is right about a number of things. 

Additional information can be found here:https://waysandmeans.house.gov/brady-releases-legi...http://docs.house.gov/billsthisweek/20170925/HR___...In summary, the bill proposes:Deduction for Personal Casualty Losses: With respect to uncompensated losses arising in the disaster area, eliminates the current law requirements that personal casualty losses must exceed 10 percent of Adjusted Gross Income to qualify for deduction.Eliminates the current law requirement that taxpayers must itemize deductions to access this tax relief.Penalty-Free Access to Retirement Funds: Provides an exception to the 10 percent early retirement plan withdrawal penalty for qualified hurricane relief distributions.Allows for the re-contribution of retirement plan withdrawals for home purchases cancelled due to eligible disasters.Provides flexibility for loans from retirement plans for qualified hurricane relief.Encouraging Charitable Giving: Temporarily suspends limitations on the deduction for charitable contributions associated with qualified hurricane relief made before December 31, 2017.Disaster-Related Employment Relief: Provides a tax credit for 40 percent of wages (up to $6,000 per employee) paid by a disaster-affected employer to an employee from a core disaster area.Special Rule for Determining 2017 Earned Income Tax Credit and Child Tax Credit: For 2017, allows taxpayers to refer to earned income from the immediately preceding year for purposes of determining the Earned Income Tax Credit and Child Tax Credit.

You seem to be young, so doing Roth conversion may make sense for you because you have plenty of time to grow the investments you can make with it tax-free.Depending on the size of your IRA you may want to consider Checkbook IRA, which will allow you to bypass the custodian when making investments, eliminate transactions and asset-based fees and gain checkbook control over your retirement funds. 

Well, I can at least eliminate one option for you - waiting for the market to come down isn't going to get you any cash flow and will delay your activities that can bring cashflow.