@Lonnie Thomas I pulled this from hud.gov that regulates FHA loans, hope this helps4155.1 5.B.4.aDescription ofGift FundsIn order for funds to be considered a gift, there must be no expected orimplied repayment of the funds to the donor by the borrower.Note: The portion of the gift not used to meet closing requirements may becounted as reserves.4155.1 5.B.4.bWho MayProvide a GiftAn outright gift of the cash investment is acceptable if the donor is the borrower’s relative the borrower’s employer or labor union a close friend with a clearly defined and documented interest in theborrower a charitable organization a governmental agency or public entity that has a program providing homeownership assistance to low- and moderate-income families, or first-time homebuyers.So if you can document the relationship of the gift giver from one of the above it may help.

What is uniquely different about 4 families?

If so do you think it’s unique to your market?

A credit score is a sign of good financial history and your ability to repay debts.

Individual states and counties have their own unique rules and regulations, with some requiring a 3-day eviction notice to tenants and some requiring a 30-day notice.

@Derek Cheng, Every property in every geography at every stage of a market cycle will be unique. 

If I had to guess, I would say the seller of the first property simply needed to sell fast and cheap for some type of unique circumstance (avoid foreclosure, need to pay medical bills, etc.)Whether this makes it a good deal is another conversation.

Killeen has unique opportunities because of FT Hood.

I've tried researching the topic online, but our situation seems to be somewhat unique. 

Interest will be higher and repayment terms will be shorter.