Quote from @Sofiya Cherni: Hi,I noticed last year in Montgomery County Landlord-Tenant Handbook that landlords may no longer charge non-refundable pet fees.

HUD 4000.1 (I believe) is the latest HUD handbook and it goes over all requirements for originating the loan, including but not limited to occupancy requirements and exemptions.FHA occupancy : "At least one Borrower must occupy the Property within 60 Days of signing the security instrument and intend to continue occupancy for at least one year."

They make their money off of real estate agents, but real estate agents are the worst people to make money off because they are highly unreliable and in and out of the business when the market changes.Their target should be the consumer with higher levels that they can subscribe too for data, since Zillow is linked to the MLS now which makes their data somewhere more reliable.

I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

Never pay an upfront fee.You didn’t mention your state but understand that with little exception, an NMLS registration is only required for consumer-purpose loans.

However, expect greater transparency and heightened consumer awareness that has come out of media attention and NAR settlement to impact the listing component of seller agency as well.

So, there is even more risk.The things that you can do, include being properly capitalized, not be greedy, (in whichever way that may be defined in the county you are buying), know solicitation laws, know Dodd-Frank, the Consumer Protection Act, the S.A.F.E.

Quote from @Avani Patel: Hello, it is really time consuming for me to analyze each property by manually entering its data to calculate the return. 

The problem with hand written notes is that they can be time consuming.

While time consuming, I did learn a lot and was within $2,000 of my initial budget.