There's a list of approved lenders for both programs on the TSAHC website.

FHA is the most lenient program when it comes to DTI and credit.

While I can understand some of the desire for rent control there are other more practical and productive ways to assist families in need of housing (IE fix the broken section 8 programs around the country)  I would prefer however that all of you out of state investors get out of "our town" so that the prices can go back to normal for us locals, which should in turn help keep rents down a bit locally .....

I’m working with a program, Military Housing Assistance Fund (MHAF.org) to help in buying process.

Have you talked to them about applying for the Emergency Rental Assistance Program (ERAP)?

So, if it won't appraise for you need, you both are screwed and the property is now underwater.The "big boys" have these sorts of pre-sale reno programs. 

I plan to wholesale this house if possible. ( I'm not on the wholesale hype train I promise.)

Basically a 1 br apartment with it's own entrance, separated from the main house by a breezeway area.We've decided to rent the apt furnished through a traveling nurses program.

Just received a letter from my mortgage bank that my current FHA loan is eligible for an FHA Streamline Program.

I started out with flipmoredeals.com not crazy expensive and I landed my first deal 3 months into program (I was completely new to the industry) That was 5 years ago and still have a great relationship with them