My end goal is to become and active and reputable Real Estate Investor.Areas of Interest: Dallas/Arlington/Fort Worth-Wholesale/Agency (I understand there may be conflicts of interest if not handled properly)-Flip/Rehab-Buy & HoldDoes anyone have any suggestions?

Even asking for all units to be vacant won't work with the underwriter as I understand they only look at the property based on the current situation.I explored the Freddy Mac 5% loan product but it won't work as I make too much money.

I do understand that 5 units and above is a commercial property.

Just to fully understand things, in the unlikely event that one would foreclose due to ground rent; after a foreclosure auction, you would only get the amount for the lien that was placed on the property (for the undue ground rent), then anyone else like a mortgage company would get their portions, then any left over equity would be given to the property holder?

SA has historically been steady though (as far as I understand), so I was surprised to see it on that list.

I just don't understand why/how you are renting a 3/2 to 4 different people?

Just make sure you do your research and understand the value of your property and give something to a buyer's agent.  

I can understand your thinking. :)

I would gladly "option" a building to a tenant that needed work, while I would be fair if there was a problem for you at the end of 12 months there are others that might not be so forgiving... its a contract after all, your an adult and you should understand the risks before you put your money and effort into the deal.

You should create a note, secured by a mortgage against your property and sell that note to another investor who understands the value and isn't constricted by a bank's rules.