Fannie Mae will allow you to count Boarder Income if you are purchasing a new Primary home, have had renters living with you for at least 13 months, have proof of receiving rental income for at least 9 out of the last 12 months, if you qualify for Fannie Mae's HomeReady program (which is an income limited program, you do not have to be a 1st time homebuyer to qualify for this program).

It's possible that they are turning up the heat to the maximum because they are part of a utility-subsidized bill program.

Mink,I would advise using a Fannie Mae 5% down program to avoid the FHA up front UFMIP finance charge. 

Fellow OH investors,I have a rental property in Lorain county and just received a letter about the lead safe program and that as a landlord they need to conduct an inspection and make the home lead safe.

As far as I'm aware, SBA loan programs cannot be used for real estate companies.

The facebook groups are a great place to find mentor programs and such in your local markets 

Loan programs that utilize AirDNA income projections to qualify can also be utilized for cash out refinances (if not currently operated as an AirBNB) although some lenders have a maximum cash in hand of $500k-$1M typically at a lower loan to Value of 65-75% for investment property vacation rentals. 

There are advantages and disadvantages to it and those can vary by the local housing authority that administors the program in your area.

Government Programs and SubsidiesYou might qualify for programs that offer incentives, especially if you're investing in areas targeted for development or revitalization.

But each bank/loan program has their own requirements so you should also double check with whatever loan officer is submitting her application.