I personally dont care for SBA loans as the terms and  such are something i would not sign up for myself.Just stroke a check and then figure out it dont lose it because you cant get financing day one. ???

That might take care of your mortgage and leave you with enough cash to get something else.Or......

The best thing you can have is good section 8 tenants who respect and take care of your place.

PM me I will take care of you. 

With a budget of $130k I would make sure that you still have at least 6 months of reserves after the purchase.I would also be careful in certain areas where the cash-flow looks too good to be true..

They have helped over 100 people in the past 12 years restore their lives, and reclaim children from foster care, rebuild families, and return to the job market. 

Assuming it is conventional, the max seller concession can only be 3% for less than 10% down payment 6% seller concession 10%-25% down payment 9% seller concession for more than 25% down payment@Albert Bui @Carlos Valencia

A good rule of thumb is this:  Be careful and fully understand the risks of "getting in bed with the government". 

After talking to Latchel and trying to get it figured out, I told them I would take care of it myself because they have been completely incapable of solving the problem.

I stayed mostly with Multifamily as other sectors like Student housing, Senior care, Hospitality and NNN have too much risk for me.