If they didn't qualify, it was non-refundable.

From that point I got interested and curious and started reading everything I could on the internet about Real Estate!

As far as LTV and all that stuff I would rather not post publicly but if you want to send me a PM I would gladly answer any questions.

I haven't found anything in a C neighborhood under 100 let alone a B neighborhood that hasn't been multi offer over asking in Dallas proper.Most C neighborhoods are sitting around 125-175, and very few non war zone houses are going under 200K in Dallas.Is it possible to find a needle in a haystack? 

Deeds of trust are public record you don't need original note you can do a lost note affidavit and that usually works..

I have called around to a bunch of local CPA's I have found on the internet and tried to find someone who can give me the advice I need to maximize my profits and everyone I 've talked to has basically just told me to call them when it comes time to file my taxes for 2018. 

There are regularly proposals almost non-stop to impose new STR rules. 

When we moved we refinanced to a 30 year. 4.75, non primary residence loan.

Verbatim from Mortgage Agreement...The mortgagee may declare the full amount of the debt to be owed and payable immediately for any defaultthe following defaults are:-The agreement states that if mortgagor fails and defaults to make Payment required by Bond or Note or mortgage within 15 days of due dateFailure to keep Any of the promises and agreements (which their was non of the above, he doesn’t even answer our calls) within a reasonable time stated.So now, with this type of situation.

The same philosophy is apparently being applied to real estate but the internet and real estate are not remotely comparable.