@Nicole W. for your properties in Dundalk are the tenants voucher holders or market tenants? 

Second, the housing authorities have a public policy interest (and pressure from the federal government) not to concentrate voucher holders in bad neighborhoods.  

I gave an advertisement to the local PHA and they at least claim that they distributed it to their list of voucher holders, but either they did not do so, or nobody that has seen it is interested because I have no contacts yet.

On separate occasions, the lenders have reduced rates by as much as 30 basis points, without additional fees, to get a loan to work in my favor and to keep me from shopping with another lender when the interest rate was still trending across the board.Back to the OP, I think the ultimate responsibility falls on the asset holder/investor.

Do you know if someone on a work visa such as H1B can still buy properties out of state, rent it out and make income?

I purchased my first property with an H1B visa, L visas work as well and then diplomatic visas also work to get US financing.

So there’s risk but way less than a spec home.To top it off the current mortgage holder of the land, wont release one lot at a time (claiming the lot not built will lose value) which is a flat out lie, they were the first we went to fund it at a very high rate , one day they backed out, they want to me fail, I know the guy well, I used to be friends with his son.It looks like I am going to go out the box and try buyer financing as a last resort.

It is a better coverage for the policy holder than "Actual Cash Value" (ACV).

My mortgage holder (Guaranteed Rate) told me that with an FHA primary residence (which, we put 3.5% down on), we would need to have 20% equity in that original unit in order to use the FHA primary residence (3.5% down) again on another home because FHA doesn't allow the dwelling to be used for anything other than that, your primary dwelling.

(I realize the atty will spell this out but curious how you are doing it)-Once we lend do we become lien holders on the property?