Yes, those are still available.You will have to apply for one, prove you live there and pass a fire inspectionYou mention a subdivision.

We bought that one, $125k, well under value, with no mention of commissions. 

I see everybody mentioning it but don't know which one it is

Thank you Michael,I knew the first rule you mentioned but not the 2nd.

As @Rick Pozos mentioned, if it's listed, and it's been on the market a while, it's likely overpriced, has a major issue(s), or the surrounding area is so bad that it's driving buyers away. 

You don't mention what the $1900 includes so we can't comment but see if that changes your thinking.

Your first step is to house hack like you mentioned.

I use one account for incoming revenue and one acct for payable and I leave only a small balance in the incoming acct for the same reasons that @Joe Splitrock mentions.

I have to accept it is more than what I estimated.I actually estimated at 4-5%.I would like to understand the closing costs mentioned by the lender so that I have a better understanding before closing.Loan Costs --- $4342.A.Origination Charges - $15900.655% of Loan Amount (Points) - $550 ---> Is buying this point compulsory?

As Jose mentioned, you don't need to be present.