That's why the minimum down payment is higher, maximum IPC's are lower, and funds to close can not come from a gift.

Generally speaking, even if the closing funds came as a gift from parents with no expectation of repayment, the FHA underwriting guidelines can - and often do - require a statement from the giver saying it was a gift and not a loan.I'm not sure what you can get into a property for in your area. 

The easiest way is to ask a realtor, but I see that you have run into a few characters.

FHA does allow the same 3.5% down payment on multifamily just like 1-unit FHA financing and gift funds are allowed towards down payment & closing costs as long as you intend on occupying the residence as your primary.

The "homeruns" are the easiest deals to fund.

Lauderdale and snowbirding at a beach house in the Bahamas.Also, having the ability to gift my children with starter homes in our immediate area is how I intend to fulfill my wife's primary ambition in life, which is to have her (eventual) grandchildren living nearby.

One summer I got $100 for my entire summer and that was purely a gift from my grandpa. 

If you do wish to challenge the landlord's application it is usually wise to do it as a group, and the easiest way to do this is to form a building tenants' association.Agreement Section 121.

But I do have  a  gift for talking to people I just will learn to use confidence.     

Now normally this would not bother me, but these are repos form the easiest government agency to buy from, so I know I am being jerked around.