Downtown and midtown Sacramento are really popular right now.

Based on some research on previous threads here on BP There is a disclosure that's signed by the buyer at close, Document 92900 B- "Penalties for Loan Fraud: Federal laws provide severe penalties for fraud, misrepresentation, or conspiracy to influence wrongly the issuance of mortgage insurance by HUD.

People talk about creative financing, but what kind of creative financing is most popular?

This townhouse is located in somewhat of a non so popular area, but its walking distance from the beach as well as MTA. 

Sounds about right for a popular area.

The dining room was a bedroom years ago, so relatively easy conversion. 4th bedroom is critical as we will be renting to college students and 4 bedrooms are the most popular in the area.

Advertising: Federal Fair Housing laws prohibit discriminatory advertising in all housing, regardless of how large or small the property.

There are 50 states with different laws in addition to the federal laws and regulations by various agencies, before you leap, check with a good real estate-finance attorney in your area!

My contracts says if it is not written and signed with both parties, it is assumed that it has no legal binding and supersedes all local, state and federal laws.

Here is the page:https://www.tsp.gov/planparticipation/loans/loanBasics.shtmlYes, you do have to be employed by the federal government