Ensure that you are using a rent payment software program that records and categories rent and money charges and payments, including dates, payment amounts, and balance owed contemporaneously with the transaction.

Are you sure the Appliance Fee isn't a fee for a utility company program that repairs them?

With so many resources available, 100% financing programs, down payment assistance programs, urban development programs, places where sellers are begging you to buy their homes, and platforms like this for free training and guidance why do so many people who want to get in REI fail to actually get their first home under contract. 

There are programs available down to 20% for upto 4 units . let me know if you have any questions 

If you're purchasing an investment property, self-employment doesn't matter with many programs.

There are some bond programs both county and state level that you can get the downpayment and some closing costs paid or go new construction and do the same via the builder.

In general, I have found the ones that pay at least a portion of the rent to be more responsible and easier to work with than the ones that are 100% covered by the program.

Subsidized housing and different types of housing programs are also very common.

I am a big believer in educating myself and have spent a LOT of money on Guru programs.

Unless you're using an online application program, have every applicant submit application in writing.