Some time spent searching through posts or using the search function could bring up plenty of them.For contracts in CA, I suggest you simply get a PSA (purchase and sales agreement) from any agent.

However, my wife and I were planning on buying a home and using the FHA program.

There is a very old, outdated, but functional 2/2 1782sqft house on the property that i am currently using as a woodshop. 

So it’s small and the layout doesn’t offer up the most functionality for the livable space.

Lack of underlying soil conditions like you see in Texas  IE foudations going wonky and requiring on going maintance that can be expensive.5. at that price point you get the best qualified renters not the bottom 1/2 of renter pool you get the top half.5. newer construction  Stucco tile roofs etc   compared to 40 to 100 year old homes in other markets that need greater care to keep functional. 6. ease of getting there direct flights to many places a lot of areas in the mid west you have to connect.. thats an issue at least for me.7. things to do.. 

That is why the original moratorium passed was limited to properties in government programs (government backed mortgages, section 8, etc.)

You can join a master mind program though.

ESPECIALLY if your income is less than 80% of the Area Median income (AMI), you can get a Home Ready (Fannie) or Home Possible (Freddie) program which offers even better rates than regular conventional, and only requires 3% down EVEN if you're NOT a first time buyer.

It’s a staple to the MBA Real Estate program at Wharton (#1 Real Estate Program in U.S.).

I guess this is Baltimore's conservation program, haha.