We thought the previous occupants were raising fighting dogs but a neighbor later told us that a "crazy" lady lived there and took in all the neighborhood strays.

I can tell you that the sales lady isn't looking out for you.  

Also today I visited a real estate agent who was a young lady about my age, she didn't really seem like she knew what she was talking about when it came to FHA loans and their policy, but I'll go ahead and ask you anyway.

Well I lied, one lady was very interested..after I had tenants in the property for 2 months lol.

Believe me I pay my fair share, my title lady loves me, but I've also had deals where the sellers or end buyers paid all closing fees.  

They are wood cabinets, but the finish is a laminate wood look, (they're quite popular here, especially in modern style) and quartz countertops.

The ladies behind the counter could not have been more helpful They are truly above the bar.

If the property is partially occupied, you will be impacted less, but it may still be difficult to refinance beyond 50% LTV.My perspective comes from someone who looks for unloved, often vacant, properties and retrofits them to be energy efficient with modern amenities. 

I reached out to a nice lady to inquiry about her property for sell the other day.  

Gifted to you transfers at $50k basis plus any documented improvements (modernization done before like new cabinets).