I just found the answer to that from a direct endorsement underwriter's perspective. As an fha loan officer you should have the fha handbook memorized for fha rules and fha lending. Maybe someone can decipher for the FHA direct endorsement underwriter what the fha rules are so that they are not arbitrary.
Yoru FHA rules in PDF form are helpful to all borrrowers in or outside of florida mortgage lending. This is a message for fha rulemaking and it is not from the fha directly although the fha 4155.1 is written by HUD, this blog is not owned by the FHA. You probably knew that already.