Because that is not a FNMA rule, that's something individual banks and lenders make up on their own, an extra restriction. 

I have been told by numerous individuals in the know that both RVMs and SMS fall under the TCPA and are illegal unless the person receiving the RVM/SMS has given you prior consent by opting in.

Do you tend to see families or individuals looking for housing?

You want to know values, properties for sale, under contract, sold, days on market, list price to sales price etc. all the way down to the block, street and individual house. 

Also, people could address and discuss each individually instead of filling up the feed with questions that hit different lessons.

If we don't incorporate, whose name should the property be in ( if we buy it individually and take advantage of the first time home buyer incentive in ontario we can put 5 percent down instead of 20 and keep cash reserves encase something happens to the property.) ?

I am hoping to connect with other investors and hopefully build relationships with individuals in my area and hopefully across this country.

@Randolph BrownThe LTV and reserves are based on the individual lender.  

It would also allow you to potentially buyout other partners (you never know what life events may occur) with potentially not disturbing the debt, this could be more tricky if you’re all holding title individually.

Cash with partners (/parents :-)Initially applied for delayed financing, but fell through since the funds used to purchase were from a partnership, and I applied for the loan in my individual name (with plans to ultimately deed the property to our partnership's LLC).