Clearly from reviewing  posts , it's rather obvious that landlord's need to establish occupancy rules that follow the guidelines of their city code and know that code.

., but then the appraisal value comes up too low that does not meet the private lender guideline. 

However, the FHA credit guidelines tend to be more flexible than the conventional loan guidelines.

You can't not use your VA loan for any investing purpose, they have guidelines to ensure it won't be use that way.The VA inspection is tough and will only be approve if the house is in almost perfect condition.The VA loan is great to refinance your primary residence in the future but nothing else at that.

Also do they require certain guidelines to purchase?

(MIP, not PMI)USDA goes along the Fannie Mae guidelines, VA is irrelevant as the guarantee is the VA which builds coverage into the rate.http://www.ahahome.com/mem/resources/top10/drop_pm...https://www.fanniemae.com/content/guide/selling/b7...https://www.fanniemae.com/content/guide/selling/b7...Happy reading and learning!  

If you buy something cheap enough, and can afford to lose your shirt, you may be able to take a gamble in some other state. 

I've seen several posts lately about the number of 1-4 unit properties one can finance with Fannie Mae and Freddie Mac, and their respective guidelines.

Interview them and find out their underwriting guidelines.

Based on what I've read on the forums the two main things that will change are:Any broker using Fannie Mae / Freddie Mac guidelines will have a tougher underwriting process.