So it applies on the front end and on the back end when you refinance.

The repayment terms for a 401k participant loan are equal monthly/quarterly payments of principal and interest (typically prime plus 1%) over a 5 year term (longer if used to acquire your principal residence).Please note that if you take a full $50,000 and then pay back the loan, you can't take another $50,000 until 12 months after the first loan was fully paid back.Per the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).Please keep in mind the multiple loan rules:Under those rules, the sum of the balances of a participant's outstanding 401k loans under a single 401k plan (using the highest outstanding balance of each loan over the last 12 months) can't exceed 50% or $50,000 whichever is less.

I applied for the ERA but doesn't look like I am getting it.

With a lease option you could negotiate for some of the rent to be applied to the purchase price, but you might pay a higher rent for that right.

After the year is up, and your primary postal address hasn't changed throughout, what can anyone then say, if you wish to change your primary address and apply for a new loan then? 

where do I look for the best rates and when applying how do they know if it’s tied to a 504

Keep that in mind as it probably applies to most small models. 

An additional requirement that may also apply to those mentioned above is if the reason used for the 2nd fha loan is due to an increase in family size/existing property doesn't meet family needs is having a 75% LTV on the existing property with the fha loan or paid down to that amount, based on the existing loan amount and an appraisal

At least for my properties (STR houses), the maintenance expenses are not even $200 a month:Lawn maintenance: $60-75Pest control: $30Pool (which I don't know if it would apply to your property): $65-90 dependingHVAC maintenance: $70 every 6 months (~15 a month)Capex of $3,000 a year means a bunch of appliances are breaking down continuously, or the house is in dire conditions.

Sacramento landlords, I just saw this:Emergency rental assistance program in SacramentoIf you have low-income tenants who aren’t paying rent due to COVID, you might encourage them to apply for this.