The interest rate is between 7.95% and 9.95% depending on credit score.

Is there a way to add my expenses to PM's end of year statements for my accountant?  

This policy should outline your criteria for tenant screening, including credit checks, rental history, employment verification, and background checks.Renters Insurance: Renters insurance provides financial protection for tenants' personal belongings and liability coverage in the event of accidents or damage within the rental unit.

I'm not a lender but FHA is typically if you have poor/average credit and want to buy a minimum 3.5% down.

If there are any buyer credits, that is even less.  

I’m an engineer that makes a little bit over 100k before taxes and my credit score is 688.

You want an accountant that can help you strategize and who is responsive when you want to know the tax consequences of the decisions you are making throughout the year.

Why can't you simply escrow the costs of the road repairs with the local government or provide them a letter of credit to accomplish this? 

I am not pre-approved yet as I still don’t want to get a hard credit pull when I am between renting and buying, but I have contacted a local broker to get a soft pull and a rough idea of what I can afford as far as rates, MIP, and down payment.

How was it possible for me to buy a property and not have the loan in my name, keep the previous interest, and not have to apply for a loan and hurt my credit?