Another lender is offering 2.49% fixed for 12 months then convert to adjustable rate Prime + 1.0% OR 4.99% fixed for 36 months then convert to adjustable rate Prime + 1.0% OR 5.99% fixed for 60 months then convert to adjustable rate Prime + 1.0%.

The location you cannot change, but the other two you can adjust.

I also have a 2nd mortgage for 38k @ 7.49% adjustable I’m trying to get myself into a position to start my real estate investing journey and all this has thrown my head for a loop. 

The cost is minimal compared to the peace of mind and speed at which they will handle it.

One variable doesn't put an entire strategy out of business, it just means you have to adjust a different variable.

Different markets may have varying loan requirements, so adjusting your financing strategy accordingly will be beneficial.

With that said, now is probably too early to see that many lenders have experience or are already adjusted to the new rules.Bring an article from HUD as you are visiting your local FHA lender.

You can adjust it across the country but for the cleaning profession this doesn't adjust up or down much at all.

I saw the list of course index and it seems decent - takes 4 weeks to bring a new agent up to speed - costs almost $1000 though.

I feel for your tenants if they are stuck with DSL as the only option for hi-speed internet.