Everyone had a land line..  1992 to 2002 is when we were active with this program.

When you apply for a home loan we only look at the monthly payment and on student loans we only hit you with .50% of the payment or in some cases if it is deferred for 12 months we can ignore it all together depending on the program you choose, for example; FHA, Fannie Mae, Portfolio etc.Another trick is if the installment loan on a car/vehicle only has (10) months of payments remaining or less we can "Omit" it all together.

I know there are a couple loans/programs like an FHA loan that are available to starters like me, but are there more options? 

The loan program I was offered is the Family Opportunity Mortgage.  

@Shaydon Childers   We do have a program that we will get an appraisal of the property as-is and lend 75% of that appraised value for well qualified borrowers.

BiggerPockets just went live with the property manager referal program last week.Click on the Build Your Team option at the top of your page.

@Asma Shah please don't tell us you dropped a few thousand on a S8 guru program!

Can you send me some more info on your funding programs? 

https://sparkrental.com/rent-control-in-california/ Hi Becca,I live in the Bay Area and I work in a municipal rent program office.

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