Your market may be different but locally if you are just looking around it is between 80-200 give or take, wide range. 

GA & VA are both large states with a range of market conditions.

Comps range between $145k and $150k so getting a nice refi shouldn't be an issue.

Come to think of it, because of the Navy, I do have respectable contacts in a number of the big Navy states (VA, TN, FL, GA, WA, etc). 

Yes, you're correct, all potential customers should be treated with courtesy and respect.

What I am being told was that my score is too low: I can't recall what it is but it is 620-650 range and they are looking at 700 or above.

For the tenants that you respect and appreciate, I'd keep it simple with a handwritten card and possibly a coupon/gift card (Free holiday pie, a free turkey, $20 gift-card to the local supermarket, etc).

I am trying to buy a property in a market where the average home price is in the 300-400 k range.

FHA have a sustainment requirement related to rent with respect to P&I on unit count above duplex. 

Hello BP,I started looking for small multifamily properties in the $300k-$600k price range and There are a few things that are a little unclear to me: A little about myselfI am a self employed and have been working in brokerage.