They are much more complicated than a standard loan, when someone is buying their 1st home. 

Yes you may use a portfolio lender or standard lender however the issue with that is their underwriting takes too long for the fix and flip game.

I suspect the gov't regulators that designed the current disclosure forms had an anti-FHA bias, the pre-2015 disclosures didn't cause as much confusion, there's no other typical/standard fee that they make look like it's charged 3 times...

I charge $5k standard. 

If you need a small amount of renovations (under 35k) the 203k streamline may be nice and faster than standard 203k. , my opinion would be keep the cash especially if buy and hold and roll the renovation into loan. 

If someone has the credit score, down payment, and debt-to-income ratio that fits conventional standards then they will be able to buy multiple properties personally at once.

CapEx in laundry room, however no other large costs beyond standard maintenance. 11% annualized ROI.

Here in Ontario, Canada we have a standard lease set out by the government.

If you used the standard agreement of sale doc used by realtors for PA, section 4(H), it says seller will not enter into new leases, or extend existing leases without buyer approval, so you have your out right there.

Is this standard for a property to drop in value over 100k over a 15 year period?