I am a CPA, though non-practicing now, and invest in real estate in Houston.

If the first one does qualify, I return the app fees to any other parties- I feel like this is the right thing to do and would like to continue the practice.  

You will want to basically practice being that guy in any and all ways possible.  

I have a lender that I use for my personal loans that thinks outside the box, but with all the regulations in Dodd frank here is what they advised me:Regarding my current house (Primary): 30% Equity to offset payment with rental income for FHA purchase or 25% Equity for a conventional purchase.

When it comes to selection an attorney, it might be helpful to know that the majority of bar complaints come from attorneys in practice more than 20 years followed by attorneys in practice less than 5 years.

An attorney cannot practice law if they are not competence as to the laws which govern their clients.

In my town bike paths connect practically everything.

@Benjamin BlackburnCheck the FHA site for the regulations around the 1st time home buyer program that offers low money down financing.  

Did they threaten a MGL 93A claim for deceptive business practices and possible treble damages?

My understanding is that NY community association laws and practices are very different from pretty much everywhere else in the country.