Do I qualify for fha?
You would need to give a loan officer a full application. There is not enough information as the previous loan officer stated. You also will need permission from the court to obtain a loan.

I need advice on getting a second loan on my condo to help my parents out...
You need to call a loan office as each persons situation is unique. If you are in California call me. If not find a loan officer on this site who can help you in your state.

What happens if you dont agree with an appraisal? Can you protest it ?
On an FHA loan you will need to use that appraisal but you can provide comparable sales to the lender to send to the appraiser if you disagree.On a Conventional loan you can get another appraisal but the best idea if its a refinance is just to change the lender and pay for a new one or have the next lender pay...

Refinance before 6 months of payment history
It depends what your current MI rate is? .55 .9 or 1.15 ? I would do it at 4.25%. Call me at 415.962-1516.Ted

How can I get the seller to pay for some of the costs?
Each seller is different. Thats what you pay real estate agent to do. Negotiate your terms.

Investment property vs. 2nd home purchase
You dont charge rent on a 2nd home first of all. That would be an investment. Your 2nd home would usually need to be 50 miles from your primary residence. If you are buying in th same city that you live in that would be an investment. A second home is used for vacation or work usually. The rates on 2nd homes are much...