(drum roll please...)Okay - here's the news:You can now search for BiggerPockets Members within and around your zip code, or any zip code.

Then on the right side or kinda middle, there is a list of phones that are verified to ring your hangout calls to, you can have your hangouts ring on a ton of different numbers if you want your business "google hangout number" to ring on multiple lines, this is very useful trick if you have family overseas, but ill explain that later in the post...Once you select the numbers you want to verify with, then you have it call you, enter the pin code and its done, all you have to do is select receive calls on that number and now go to your google hangouts app and make sure under settings that "allow incoming calls to ring" is toggled on and you will be able to answer phone calls via that verified cell phone.Bonus:As mentioned if you have family in other countries, a free way of getting around international fees is to setup a google account with a local number to the person you talk with on a regular basis, it has to be an additional gmail account, then verify that number with your in states cell phone and in google hangout you can add that additional gmail account to the hangout app and toggle for incoming calls, Then when that person calls the local number to their country using a normal cell phone service, it will ring back here in the states on your verified phone so you can answer the phone and talk as if it was a local phone call within that country. 

if its the later I would get a copy of the county planning code that shows the homes were built legally and present that to the lender.but it could be HML just don't want to do deals in rural southern cities were sales can take forever and there is no there there .. if you know what I mean.HML can redline all they want as we know..

It is hard to comment without knowing the exact address.I like 72116 best but parts of the other zip codes are also good It depend on the location and occupancy + turn over in that area.You need a good property manager to work with that could give you feedback on specific location you are considering. 

You can give away a code as easy as a key.

Yes you do have to pass inspections and codes in order for your property to be rented out.

For example if your neighbor for $800k because a developer could build 8 units but with the new code changes slot homes aren't allowed anymore and the max you can build is 5, you're not getting $800k, maybe more like $500k.

The "better" zip codes  for investors are 02, 05, 11, 16, 24, 44, 46, 77.

The only access will be by a 6' ladder (no code where we live).

It's less precise than exactly calculating out the lifespan and cost on every major system for your exact zip code and specific property, but it's also more precise than using a round 5% of gross rents (or whatever).