We need to make a decision rather soon as we are moving to another state for a new job in the next 6 weeks.  

Austin did a great job specifically pointing to the text of the bill. 

Finally, At what point should I stop doing OT from job to build income?

That is assuming that the buyer is willing to wait the six month period.If your agent isn't performing his job, speak with him about it.

-RobBtw, it's the title company's (or closing attorney's) job to handle this. 

Suggest a FHA lower down payment larger MF in a more active town with high paid jobs....

All different jobs.

In the immediate future I definitely want to house back a multi family home, in Hudson County (which is a very tough market for any numbers to make sense) but as an agenT with access to MLS , and networking with varIous contractors due to the nature of my job, I think I’m in a good position to find something that has some value - add potential , as to not pay a premium , because I have the knowledge and means to improve it either myself or through people I knoW , so that would be my immediate short term goal.

She has steady job etc.

Good job on saving up those funds, very impressive.