naca you can google to see if they operate in your market.its a heavily subsidized program basically for first time home buyers and those who qualify income wise  ( income lower than the average income of the area you can make too much money and not qualify.)

But for non-distressed properties that qualify for owner occupied financing the MLS is a great resource.

If you can't qualify for conventional financing and/or have 10 conventional loans already, then DSCR financing could be a great option if you are doing buy and hold rentals (can be any strategy - short, medium, long term).

Most of the hml’s are qualifying the deal, not just qualifying you as a borrower.  

It won't impact your score and will show you the scores Lenders use to qualify you.

I knew someone who bought a house with a bf who couldn't qualify to be on the loan as a borrower.

Those numbers are always great in theory, but people fail to understand what it is like in practiceWhen you are competing with 50 other units in your block for rent, can't rent the property to qualified individuals, and are dealing with constant maintenance/property/tenants issues, you realize that the returns are too good to be true. 

It helps that STRs are more actively managed than LTRs to qualify for being designated a Real Estate Professional.They do this with their individual tax professionals.I have nothing to do with that or the cost segregation studies.

Send a QWR (qualified written response) and copy your states banking and financial division.

These loans are non-conventional, making them much easier to qualify for compared to traditional financing options.