@Kysha McNeal I am negotiating a contract on a duplex now in a popular rental area.

You would think there so much land in Las Vegas, since it's a desert, that until you research, most of land is in federal government ownership.

I picture the end of water street back behind Klaffs becoming popular since it's so close to downtown and that mall is coming soon.  

While this may run contrary to popular belief, don't think for a second that the highest volume sales agent is going to have the best knowledge of a given area.

The two major locations that numbers won't work are: 1. much nicer neighborhoods or popular neighborhoods or whatever because prices are too high, and 2. cities/markets in general such as LA, NYC, San Fran, etc. but also smaller cities too like Phoenix or Seattle, etc. 

Very nice William E.I'll go ahead and throw out one of the terms I saw in the glossary.Conventional Mortgage – A type of mortgage not insured by either the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA), and thus usually requiring a 10 percent – 20 percent down payment.

@Marcus Jefferson  Try contacting a local Washington Federal branch.  

FHA loans are a specific federal program to the United States. 

Actually, you won't be any better off than you were from your first question, are we going  to select the most popular answers?  

Of course, be careful that you don't violate Federal fair housing laws in the course of complying with the dictates of municipal government.Neil -- I would potentially be interested in managing your property.