I dont know them specifically but generally most programs like this are based on an upsell to a more expensive program. 

Quick way to get around that is to get your name added to the rental agreement or lease.If you do not have money for down payment you can opt to use a DPA - Down Payment Assistance program.

Hi Frank,There are programs out there that have much less prepayment penalty.

New VT state program called VHIP.

By limiting your exposure to banks and credit unions, you're leaving significant amounts of money on the table, along with superior terms (IE - 30 year amortization, partial-full term IO, non-recourse structure, etc.)Below are summaries of the Freddie Mac Small Balance Loan (SBL) and Fannie Mae Small Loan multifamily loan programs.

The last Bad GP post on BP, the investments were Broadway Plays, Defunct brand Names, Mastermind programs, and Crypto arbitrage. 

How do I find out which lenders offer that program?

Getting a HELOC without a full appraisal can be tricky, but there are a few ways it might be possible, especially if you’ve added significant value to your property.Showing Recent Home Improvements : Providing documentation of recent home improvements and their costs might convince a lender to waive the full appraisal.High Equity : If you have a significant amount of equity in your home, lenders might be more flexible with appraisal requirements.Streamlined HELOC Programs : Some lenders offer streamlined or fast-track HELOC programs that don't require a full appraisal.

I would look for programs like NACA 

A Bank statement program would do wonders, 10% down minimum is industry standard, if you have a solid credit score,15% down will get you really good terms, however you still need to qualify DTI wise.Best of luck!