Section 8/HCV programs can provide stable, long-term tenants and government-backed rent, but as you’ve experienced, policy and administrative changes can create unpredictability.It’s a reminder that while government-backed programs reduce tenant risk, they don’t eliminate operational or policy risk.

Non-dischargeable debt?

Guidelines to follow:Only buy in low-cost markets if your costs stay under 75% even after paying for two major capital improvements, such as a new roof and a new water service line.Make sure you can eliminate all obvious safety and health hazards—like broken sidewalks, missing railings, lead paint, or poor lighting.

You might not get as much as you would for each one individually, but it would eliminate the stress of your time constraints.

I’ve eliminated all MORTGAGE REITs (mREITs) from my consideration because they’re much too speculative - they borrow 4 - 9 times their capital base.  

That’s one of the big differences compared to a conventional loan, where 20% down eliminates PMI.When MIP falls off:For FHA loans made after June 3, 2013, the MIP rules depend on how much you put down:Less than 10% down: MIP stays for the life of the loan.10% or more down: MIP lasts 11 years, then it drops off automatically.How to remove it sooner:Yep, to get rid of MIP earlier, you’d have to refinance into a conventional loan once you’ve built up at least 20% equity and meet the other lending criteria.A lot of first-time buyers go FHA just to get in the game, then refinance into conventional once their value or equity grows enough to make it worth it.Hope this helps...

By eliminating the separate, "service fee" line item at guest checkout, the "all-in" pricing model aligns better with modern travelers and hotels.I personally believe this helps everyone in our industry attract more guest demand.Guests see the final price up front, reducing the "sticker shock" that often leads to cart abandonment.

I do not have the rehab money, and finally feel in decent financial shape, and so am reluctant to go into high interest debt to rehab. 

We have several properties with debt that are starting to pay off.  

Dave Ramsey advice is for the masses who cannot manage to constrain spending to their budget and accumulate large debt.