I had a few issues running into the CityFheps program that I need some advice with, anyone familiar that can help me?

However, there is very little on the internet about the program except the content put out by Palliser.

Here, a Co-Op marketed an "Investment Program" of notes paid at variable interest rates on demand after a lock-out period. 

I've been looking at all of the different programs out there and its challenging just to determine fact fron fiction.

It is all a stupid scam to get you into buying their latest new program. 

This criteria is for 1-4 and 5-8 unit programs.

Would need to live in the home as primary at the time of closing on either program.

Non-QM are Generally about 3/4% to 1% higher than Conventional rates, but that really depends on the program, your credit score, LTVs, occupancy status, income documentation type used (if any)...and the list goes on.

Since you are using the property and renting, you'd want to look into a second home or vacation rental loan programs.

Buying with a NON-QM program is the best way to go about it nowadays, as 1: it won’t report to credit reports, 2: quicker closings 3: it won’t ding your DTI .