The bank does this because they receive badly needed Community Redevelopment Act (CRA) credit from the federal government while keeping those riskier loans off their balance sheet.

I am a federal employee and the government shutdown really affected me emotionally.

Also I am a federal firefighter and my wife works full time as well.

You will not be able to fill in the wetlands if they qualify as federal wetlands. 

There are a few of us.You also want to use an RMLO and loan servicing company to assist with your state/federal compliance. 

We use to keep our boat at Federal Point Yacht Club so I've spent some time there.

Federal government sets minimums.  

Very high level, the key talking points are as follow:The IRA may leverage, any debt instrument must be non-recourse, meaning no personal guarantee from you.Common non-recourse lenders such as First Western Federal Savings and North American Savings Bank are fairly conservative, so be sure to check with them early to determine how much liquidity you can pull from your current property and how much you will need to keep in reserves going forward.The use of debt-financing creates exposure to a small tax on Unrelated Debt-Financed Income (UDFI). 

I purchased a new home which is my primary residence but I think this could work for house hacking.NASA Federal Credit Union offers no money down and no PMI (at a higher interest rate).

Wasn't able to tag you Andrew, but I was referring to complete loan from private lender, no federal underwriting at all.