This will help reduce the % when they calculate your debt load.

It would be a simple removal of a non-load bearing wall.

@Freddy Neuhold it sounds like you will have to weight the pros and cons of using the owner occupied loan versus investing the old fashioned way by saving up 25% down.

I tried to take a look at that link but it won't seem to load. 

@Douglas Montgomery, I couldn't get the link to load, but if you want to list out the numbers below.Income - Expense = NOIExpenses must include:maintenance & supplies taxesinsuranceproperty managementcap-ex reserveslawn caretrash serviceutilities (if owner pays)snow removal (if required)internet (if provided)security system (if provided) advertisingThen subtract debt service from NOI to calculate Cash Flow.Also, NOI / Total Capital Invested (purchase price + rehab + closing costs + holding costs) = CAP Rate

Also, I'm not sure you even put much weight on familial status and gender, other than the relationship to financial inability.I think they are just trying to give you a "heads up" about potential hazards of a HUD lawsuit and the best way to avoid one.

If the front foundation wall (that has load against it) has to be over 10' tall, then Sevier County will require an engineer's stamp on the drawings.

@Chris Lopez has an outstanding podcast called the Denver Real Estate Investing Podcast, which has loads of excellent  information to supplement all of the great content on BiggerPockets!

I don't even look like the person I once was after gaining so much weight. 

If you are worried about the work load, I would say your best bet is to start interviewing property managers to see if you get a good feel from them.