I think this is proven that even in ponzi criminal case, if asset has good valuation and the law is being done properly, we will get our money back as investor.

Your Savings and your W2 Income would be the first two places to look - in that order.  

Be sure that you have a differentiator that makes you unique against other homes in the market.

Terms for the seller 2nd have generally been 5%, interest only, 5 years.I'm only considering properties under this scenario that cashflow well immediately, in addition to having a strong value-add element.

If I am starting out as a real estate investor interested in being a rental landlord (still working out the main type of rental I want to work with), can I refinance the house with a higher rate and make it a rental to my husband as my first rental?  

Just might take the right team to make it happen. and, if there were ways to make average home videos look incredible, would that be worth it to you? 

It simply states that 50% of the annual income will be taken up by operating expenses.

I understand that might not be a great rental but in Jax I should still be able to make it work with the difference in payment for the new property as primary.

When I started as a lender my focus was on being of service to the veteran community as much as possible.

Well, as long as it's not too late.