I'm not sure what that means.Thanks again,Steven  Overlays are the banks extra layers and restrictions they add on so no overlays means they not only sell direct to fannie but they dont handicap fannie/freddie's guidelines.Overlays reduces their risk exposure plus overlays is also liquidity because some other buyers of certain quality of fannie/freddie sellable debt like to buy it as well.

If you define "safe" as generating an above market return with lower commensurate risk, then that is done by investing in an experienced sponsor who is fully aware of all risk and has developed methods to minimize them (handicap them). 

So, that's your handicap without cash.

They are not a protected class.Here are your protected classes per federal law:The FHA, to date, includes seven protected classes: race, color, religion, national origin, sex, disability, and familial status.http://www.nolo.com/legal-encyclopedia/the-fair-ho...Colorado's list of protected classes is:Protected classes in housing include: Race, Color, Religion, Creed, National Origin/Ancestry, Sex, Disability/Handicap, Sexual Orientation (including Transgender Status), Marital Status, and Familial Status (children under the age of 18 in the household).https://www.colorado.gov/pacific/dora/civil-rights... 

She also had a mentally handicapped adult child and a son who never married. 

There's no obligation for you to rent below market just because someone has a handicap.

Eviciting someone with any kind of handicap, metal or physical, for something other than non-payment of rent is very difficult.

There is also a house inspection to pass (which mainly deals with where they store knifes, meds, alcohol, etc.) but if any of the children are handicapped, does the home have to be accessible? 

I recently learned this when researching for a local charity regarding whether or not they would need to install handicap access to a second floor with only an outside staircase.  

Don't spend your hard earned money on that, maybe they could get help monetary wise from some non profit group for the handicapped