That problem can be solved.

I'm finding properties that are right at the edge, which gives me hope, but like you, I'm a new investor as well.

This would be our primary residence.

The applicant has solid credit score of 750+ and has a good household income as well.

If not, at least protect your friends and family like other lenders would want to be protected.

However, I would like to know if I could pay someone to review my worksheets I create to complete the form and the depreciation calculations as well.  

If you can't get hold of the case worker, tell them you need to talk to someone as rent is 2 months late and you'll be starting the eviction process and neither HUD nor the tenant have paid you. 

I would love any tips, tricks on a first purchase.If anyone has any leads on off market properties for my first investment it would be greatly appreciated.

The only difference is that there might be an explainable rationale for holding on to a property, such as a well-founded belief that equity gains are coming (such as owning a house in a rapidly growing area or property where the next commercial boom is headed), whereas with gambling your odds never change regardless of your losses.

The downside is that you have to repay the loan in GBP (for instance) while your investment income would be in USD.