So if things go to hell and you move into your flip and say you had always intended to live in it the HML could get screwed.  

It's best to screw up with a house you have no chances of getting than one where you can buy.I'm new.

It's not fun to have an investment screw up on you and end up in foreclosure.

The union backed those very same politicians that screwed them.Pensions are the dumbest thing ever created. 

I work with an experienced loan officer but end up holding their hand through most deals as their are countless ways to screw up accounting for certain items in the underwriting engine; for example, assets, income, debt, reserves.

You will get nothing for them not being willing to do what you wanted IMO.I don't know about your state but in Oregon if you don't send an accounting of their deposit in 30 days you owe 3 times the deposit.You really don't want to screw this up.

Section 8 tenants are as good as any other tenants but they need to be managed tightly to make sure that the system they are involved with doesnt screw you. you are currently getting screwed and dont seem concerned about it to much as much as you should be. 

It is a terrible idea to do that by yourself.There is too many ways to absolutely screw yourself with litigation and failure to follow regulation. 

Put in an armoire screw it to the wall.

Obviously, you'll need to develop the deal in such a way that they know they won't be screwed over as well as your self.