I assume you are referring to 3.5% and 5% down,Well the 96.5% LTV FHA Product is great, it typically offers more competitive rates than the 95% LTV Conventional product.However there are stricter requirements on the property for an FHA product.Speak with a broker who knows what they are doing and they will point you in the right direction.Neither of these products will qualify for 5+ Units however, stick to 1-4 units.

Understanding lending and products available can help generate tax-free cash, repeatedly.

Bottom line is you need the best product at the best price.

Here is what I proposed:Setup fees : Administration Setup:One Time Fee: $400Guidebook: Using professional photos give the guests a professional tour of the house and how the home works (Wifi passwords // How to use grill // How to use propane fireplace // Hot tub instructions // Sauna instructions //Check in and check out instructions //where extras may be storedOTA (Online Travel Agency) setups: taking professional photos and actively updating your listing on popular platforms;PMS (Property Management System) Setup Smart Pricing Set upWebsite integrationOther (furniture arrangement / design / décor shopping and set up) $50 per hour· Placement fees · Marketing Cost: Variable depending on needs/wants for marketingFacebook AdsGoogle Ads Cleaners: Set up procedures/take pics of expectations· Management fee—30%Guest communicationCleaner communicationSetting Rental rateDealing with small maintenance issuesBooking CoordinationSmart Lock integrationKeeping supplies stocked (TP, paper towel, all cleaning products, coffee, filters, creamer, sugars, teas,)(Receipts would be submitted on a monthly basis for either reimbursement or book keeping purposes)Encouraging guests to leave good reviews by periodically checking in, providing a review template, and ensuring guests receive the amenities they are looking forContinued marketingMajor Maintenance fees—OwnerCleaning and laundry services fees: Cleaning fee to the guest depending on how cleaner wants to charge

If you have a good product and provide good service, you'll appeal to the masses and then you'll have a much higher quality tenant base.

Reach out if you’d like to discuss the process further and get you prepared.I seek a product that shortens the 3 weeks down to 1 day where the lender makes the decision based on criteria that will be real in the future and is easy validatable when everyone is at the closing table. 

Why has this type of product disappeared? 

•When I am doing ______ I feel most productive and excited about the work I'm doingThats a very simple view but I believe perhaps if you start with those 3 questions you may be able to work backward into what opportunities for a career in real estate may suit you for the long run!

But if you cross the line to recommending other investment products you're a broker/financial advisor, correct?

It’s a very specialized product, which is why the broker I’m with focuses only on this loan.