I do believe sub too to be one of the best stratigeies out there as long as it complies to state lawIf you have any relevant info for CA I'd be grateful.

For both state and Federal tax purposes, depending on your state, you should keep all tax relevant documents, like bills, taxes, insurance, and all expenditure and improvement for at least 7 years AFTER you sell the property. 

So even if there was something to give, it would be impossible to give without you providing some information to actually work with like the relevant state of the subject property.  

You need to watch warning signs wherever you are invested.I would say that dollar value of debt is not the only relevant question. 

While I won't say that Ohio is bad, the growth certainly suggests great things about Florida, and that is probably relevant for some investors.Of course, there are a million vertical stats that we can use to slice up an area.

They rather keep that time/money and retain the risk.I’m not sure how this is relevant.

Transparency and Documentation: Ensure that the lender provides clear and transparent documentation, including the loan agreement, repayment schedule, and any other relevant disclosures. 4.  

I've been searching for rehab estimates for my area but couldn't find any relevant information online.

.- Once I live there for 2 years, I get the Sec 121 exception, meaning that instant equity from the discounted price will effectively be tax free income for up to $250k single / $500k married, when/if I go to sell.Questions...I've heard folks say that if you re-deposit it within 60 days (and have a tax professional do the relevant paperwork), there are no tax consequences.

FHA loans are great to purchase the property, but for a refi, FHA is only relevant if you don't qualify for Conventional loan.