We find homes for investors and we go through them with a fine tooth comb, before they're presented to them.

Double check the cost on this too.  

In my area there are many down payment assistance programs right now, maybe they have those near you too.

I'll take 10 highly quality units in excellent locations over that any day, and will likely throw off more net profit in the long haul too.

Most of the books can be found used too.  

If so, do I call a lawyer, a local representative, the tooth fairy?

:)I am very new too!

You can rent them out - even if you use an FHA loan and it has not been one year yet - because you're still living there, too.

I had something like this happen, whereas I had a tree fall on a someone else's property and the insurance company respond to the other side too. 

This information will never show up in a report, but could move the needle on the final number the appraiser comes to.Your best bet is to go through the report with a fine tooth comb and figure out whether or not the appraiser came to a legitimate conclusion based on the information available.