FTC is also more 'regulated' than other Northern Colorado communities, i.e., max. number of occupants, certain properties may also have rent control.    

Add to that the new Dodd-Frank regulations that put constraints on the owner finance part of the wrap. 

If you and your investor are looking for infill areas that have already been developed you can look in the cities CAFR, Comprehensive Annual Financial Report, this has mostly info about the balance sheet for the local government, has a summary section in the beginning that talks alot about the major developments in the city.

From  what I understand this is regulated by FEMA, does anyone know how to get a lower rate?  

I also have to live at this residence for a year I believe under FHA regulations. 

It was  like waking up from a hospital nightmare and i have dealt with many houses that has been condemn by the government.

It's not a legal/regulation question, yes of course you can.  

New rules and regulations in NJ have made it difficult for lenders to close in 30 days.

I lived there for a year while I finished fixing it up. this condo did have regulations as to the number of rentals it allowed.

Sometimes a new agent in the business will be more open to your proposal.This is what, as an investors, I'd want my Fiduciary Buyer's Agent to do for me:To supply me with expired listings on a daily basis in certain zip codes To assist in locating the owners of those propertiesOr, to make an offer through the expired listing agentTo present contracts and to open negotiations on leads received To search for FSBO's in a prescribed area, to notify me and to make offers on those propertiesTo keep me informed of any new laws, regulations or news about the area I want to invest in.To run ads in local newspapers and internet sites;   "Wanted, all real estate, houses and commercial properties in the following zip codes 21234, 21236, 21214 and 21304.