The other issue is BLACK MOLD.  

My favorite is the Black Diamond meeting in Waltham (alternates every other month with their Worcester location, next Waltham meeting is in July).

@Ben Black  Before you do anything else, take that 1% rule and toss it. 

Is the state of NY a black hole for investors?

Short answer to whats keeping me in Irvine is that for the first 7 years of my marriage we lived in 3 different countries and 5  different homes (due to my work) now that we have finally settled down and have 3 kids, i want some stability for my family and i think if i told my wife lets move again she might give me a black eye. house hacking is something i am going to consider but, it wont be cheap trying to find a good place to live in while house hacking

Wasn't even blacked out, so fully giving up his privacy. 3) Discussed another tenant's credit issues with me explaining why he has to give more deposit because he has terrible credit, and she said this after giving me his name and info (this was also the guys lease she sent me over).I am now super nervous that this person has no sense of personal privacy, and I don't want to have a landlord like this.

Yes, I can tell it's FHA even though you blacked that part out.Don't buy points on an FHA loan, FHA loans are just interim financing until you have the equity to drop the mortgage insurance, unlikely you will hit the break-even point on points/fees.

To come inspect the home for black mold which he knew was there when we moved into the home.

There are black streaks running down from the door and after a heavy rain, a little pool of water on the basement floor. 

Even if I did, my cousin would also have to be a carpenter, plumber, roofer, home inspector, mortgage broker, realtor, property manager, black belt in aikido and fortune teller all at once for me to trust them enough to basically raise kids together.