FHA only means that if you Default (meaning you don't pay your mortgage), the government will pay the lender the money, and they government will take the house.

Tax Benefits The U.S. government gives numerous tax benefits to purchasers of real estate.

There is no doubt that government involvement can help in many cases, but investor returns can often be negatively impacted by programs like rent control and eviction restrictions and navigating the red tape that can be required by any development or improvement plan can be challenging at best.

I spent time looking at the government website, but could not find any information.Thanks,Collin

Also, if the original seller misrepresents information on a loan ( a federal form is used because the loan probably is eventually to be sold to Fannie Mae or Freddie Mac backed by the US Government, it could cause a legal problem for the seller they don't want to tangle with.

I was in the Navy for 20 years and I can tell you this is way too much work for a government employee to do.

Then, you'll need to deal with building code. 1 family and 2 family homes are "homes" and are governed by the residential code. 3+ family are apartment buildings and are governed by the building code, and therefore have more stringent requirements.

Volksbank Sparkasse or a non government bank??

.* **Recording fee**: set by local or State government, these are the fees for recording the refinancing publicly.

Ask local banks and credit unions for commercial or portfolio options. if you're using a government backed loan (VA/FHA/fannie/freddie) then you will have to wait 6 months (standard)  or up to 1 year if the issuing bank has such an overlay.