here is a list of things i recently learned

1. It is difficult to combine a HPAP second-trust loan with any first-trust loan that isn't FHA.
2. FHA loans won't cover the purchase of a co-op apartment.
3. Every condo I find in DC that fulfills all my needs turns out to be a co-op.

Le sigh.

UPDATE, 4:58pm: It turns out there might be a FHA loan that I could use for a co-op after all! I've put out feelers to a few mortgage brokers to learn more about the 203(n) loan and how it might apply to my sitch. More later.