@Marcos Altamirano Toriz -  in todays corporate IT world,   the game is leveraging "out of the box"  application functionality by "configuration" versus "customization".   

Appreciate the content on here but I’m not motivated enough to scroll more than a hundred pages to see if a question has been asked already….just saying You have to use the general search function (the magnifying glass) at the top of the page.

There are definitely pros and cons to each so I figured I would just lay out a few benefits and personal thoughts: Small banks/brokerages:Pros:- Some regional knowledge of the market- Possibility of more creative lending guidelines with bank specific programs- Sometimes they have competitive rates for their areaCons: - weak balance sheet (more strict on some guidelines, no wiggle room, inability to be flexible or grant exceptions because they cannot afford to hold less than perfect loans)- Can't scale with clients to different markets- Usually limits exposure to individual investors (they don't want one investor to be too big of a portion of their balance sheet)- Lack of experience with multiple solutions (tend to have 2 or 3 loan products they sell and are too niche to provide tailored solutions)Large banks/brokerages:Pros:- Large compliance departments that understand individual market guidelines (typically each state has specific lending guidelines that augment the national baseline)- Ability to scale into multiple markets with same lender (licensed in many states)- Impossible for individual investors to "outgrow" a large bank's balance sheet (not concerned with one investor's concentration)- More lending solutions available for different scenarios- Often comparable or better rates given the game is volume basedCons:- Can be more difficult to get fast responses if the bank/brokerage does not have good follow up systems in place (or if the underwriting/processing staff gets overwhelmed)- Bad large banks can feel less like a relationship and more like a cog in a factory (less personal)Overall, I have worked from both and worked with both as a loan officer, branch manager, and as an investor/client myself. 

Most all programs seem to be overkill for what I want to do.

There are a lot of government programs to help people to get into $100k homes.  

The report the realtor gave me shows the Sewer system as OK, but under the plumbing it says "water supply tested and functional: No.

Porsha,Homestyle is a great program fairly simple in terms of guide lines and not hard to get approved.

There's a great review of his entire program on YouTube that shows Pace has earned over $40,000,000 just in membership fees! 

Do you mean the "Healthy Homes Rental Inspection" program? 

There are definitely programs out there that can assist you with maintenance.