You might be able to pick up a used program on Ebay or Craigslist.

This a program designed to help new buyers.Before buying a property, always check its lead paint status.

Abstracts a lot of the programming and design work.

. #1 Can a tenant have all these programs making payments on their behalf?

Down payment can also come from a DPA program or a gift and you can ask for a "Seller contribution/Concession" to cover closing costs.401K in most cases can be used without penalty if used for a primary home if not take it out regardless and pay the tax if it allows you to buy a good deal. 

They also have longer programs and interest only rental unit programs.

If your looking to do 2-4 unit properties then the 5% Fannie Mae program is perfect for you.

I do have a program for you but the max LTV is 75% and the min loan is 75k.

There is a solution though because there is Non/QM which offers a few programs like (1) year 1099, Bank Statement, and DSCR programs. 1 year 1099 is self-explanatory, Bank statement uses 12 or 24 months bank statements gross deposits and divides that income usually 75% over 12 or 24 months, and DSCR requires No income or job, it uses the rents of the property as income as long as the rent(s) are equal to or greater than the proposed PITI payment.None of the above Non/QM offer construction loans though so you will need to stay W2 or wait 2 years.

They also have a Coaching Program, run by 3 people who are members.