Make 18 to 35% guaranteed from the government ...

Do you scout the bank websites and government assisted websites for deals?

For the 3 government entities HUD is hudhomestore.com. 

Talk is cheap.I have seen many times where the local government says not to worry about things.

Its much like talking to government. 

While the development is a work in progress, I have found that renting Section 8 housing is a successful investment because the tenants tend to treat the houses with respect (because they aren't allowed back into the program if they fail to) and the government assists in the renovation and 85-90% of the rent payment.  

Over here all the local governments have gone gaga over the mixed use/transit oriented development trend.

Also be advised that if you sell to an owner occupant, the loan is governed by Dodd Frank and the Consumer Finance Protection Bureau guidelines now in place. 

Just remember, Fannie is a government agency basically.

Also know as an acceleration clause.A little history lesson…In the old days when banks loaned money and took back a 30-year mortgage that's exactly what you got.It didn’t matter if you sold the property to someone else that loan stuck with the property for 30 years and could be taken over and paid by anyone.Well, in the early 70's banks, lenders, state governments and other interested parties were so upset that they were getting stuck with low interest rates, missing out on taxes, assumption and other sale fees, that lenders started adding due on sale acceleration clause to their contracts.As you can imagine, a lot of borrowers thought this was unfair and brought suit against banks and lenders.Unfortunately around 1979 the United States Supreme Court found in favor of the banks, and today the due on sale -acceleration clause (usually paragraph 17) is found in most if not all conventional mortgages.For years now buyers and sellers have been trying various ways to get around the problem.