Like Freddie Macs "First Look" and Fannie Mae's "Homepath" properties, it seems Wells Fargo is allowing only Owner-Occupied Buyers to submit offers for the first 15 days.This would be my Wife and I's first real estate purchase and we plan to owner-occupy so we fall under the non-investor category.

@Mac F., yes we do. 

Hello:I placed a full price offer on a Freddie Mac property over 4 weeks ago.

The vast majority of the loan market are Fannie Mae, Freddie Mac and Ginnie Mae loans.

Thanks Freddy MAC!

It's all on a googledoc so that I can access this template from any device I happen to have.  

Pretty easy to monitor what other people on your same network are doing... 2) A person in the Wi-Fi can scan all devices connected to that Wi-Fi... this has now become common since there were a few prominent cases of creepy hosts with hidden cameras to spy on their guests (use a 3rd wi-fi if you want to hide other legitimate equipment for this reason to avoid misunderstanding — e.g. a doorbell camera pointed OUT of the property).  3) You can control the bandwidth of each network and keep it balanced 50/50... so if one guest is running 5 Netflix shows doesn’t impact the speed of the other

Fannie Mae or Freddie Mac up to 80% LTV.

@Jeremy Chaser Numbers aside - looking only at what you listed as your concerns -Sub metering water is actually the easiest item out of the concerns listed - I did this last year on a 3 unit property - the meters record the usage and send it out via an internet hot spot device.

Basically, Fannie Mae and Freddie Mac (Gov't entities) aren't buying the loans so the banks have to keep them in-house...which is called a portfolio loan.