Another concern I didn't mention here is that I've already done pre-auths with 3 different lenders (a couple 'preferred' lenders with new developments and an independent), and I don't want to get too many hits on my credit.

What is your preference?

Hi @Alex Cueto It really depends on your preferences but I would highly recommend the number 1 on the list - The 48 Laws of Power!

It doesn't even assure the insured that it does affect title. 

Most agents don’t want to spend time showing properties in need of a heavy rehab, they prefer a good looking listing where it’s easier to obtain financing for the end buyer.

So what can you do to flourish in the grey-zone of moratorium, you CAN convey to tenant that your current lease contract ends on ____ date and that you personally would prefer to adhere to that, that you would PREFER to not make a lease renewal, that you would PREFER to not extend the lease with them, and than ASK "so what plans did you have Mr/Mrs Tenant?". 

Also short term or long term rentals what the preference on that?

For the extreme outlier racist or homophobe you most assuredly will meet in your life, why would you let someone's opinion of you affect who you are or where you are going?

I would love to not spend a year in my townhome I just purchased so I can rent it out and buy another property in 5-6 months….but would prefer only putting down that 5-10% I can qualify for with FHA….I’m aware they can call my loan due if I move out prior to a year but was wondering if there is a work around???

If you have need to improve the interior, you might prefer the BPO.