The seller declined to offer any compensation for the buyers agent"

INstead of just saying "no" we asked them to check with their credit card company if they offer travel insurance yada yada.. we got a 5 star review form them without giving a refund.

If I were going to buy in FL I would get to her class if still offered.

(seems straight forward)B) Landlord denies the request for ESA exemption of pet fee / pet rent, but offers the applicant the unit if they ARE willing to pay fee / rent for the animal as a pet.Or... 

I'm not an loan officer, but I know some banks locally like ORNL Credit Union have offered a 0% down conventional loan product.

See what other controls they offer.  

The only real advantage to using an FHA loan is to offer only 3.5% down payment, which in my opinion is barely justified as an advantage. 

It offers flexibility as a landlord to be able to offer more or less rooms as needed, protection to the landlord in that you can hedge with adding LTR or STR to the mix, and simplification to the business as your only dealing with one address.

Yes, it's true that you might be able to find a product you need at a greater discount when a brand like Wayfair or CB2 is having a sale, but I've found that they truly do offer superior discounts at scale, even considering the fee. 

It is a standard conventional loan and was offered as a promotional financing by builder at the rate of 5% for investors.