If they add an extra rule on top of the Fannie/Freddie guidelines we call it an "overlay". 

@Kelly MagreevyIRS has very strict rules on the 45 day identification."

I like the 10x rule for analyzing time management more than anything.

I liked them so much I gave them two other properties where they'd be my go-to a/c support.

She's supported my real estate efforts but doesn't want to be exposed to risk personally.How can I purchase properties in my name and assets alone and god forbid if I get sued keep her protected?

The title agent from Alabama said this is not needed, but the lender is saying it's needed to meet investor requirements, whatever that means.My wife fully supports my real estate endeavors, but does NOT want to be involved. 

However, at this time in the market, it is hard to find a deal that has a ROI of even 5%, hard to find deals that meet the 1% rule or that cash flow.

If you're confident that you won't inadvertently violate any IRS rules, you can go with the Checkbook 401k/IRA options.

Depending under what rule (506(b), 506(c), etc) of Reg D the syndication is structured, the number of accredited and sophisticated investors allowed to invest may vary, as well as the total amount allowed to raise. 

PA is a bit difficult or has more "rules" on lease options which also might be why the agent/lender involved are not thrilled about it -  what about a contract for deed or wrap mortgage on their existing mortgage for 9 months ?