If this is a primary residence you may want to consider a 12 months bank statement program.

They politely wrote back saying this was covered in their mentorship program.

@Lee Falkenhagen no particular reason other than Cozy was recommend to me here on BP, and offers me the ability to complete more steps of my process than a straight money exchange program would (background/credit check, rest analysis/estimator, offers the tenant the ability to make service requests etc.).

I do know of 0% down programs but only limited to 1-4 units.

Is anyone familiar with Pace Morby Gator Lending program that costs $3k?

I know of a few programs that can go below a 50k purchase and it’s about how much do you want to spend and the type of work you want to put in. 

This is based on a few dozen private lender programs that I utilize for my clients.o Rate buydown ratio: Current norm is a 4:1 ratio, or 1% fee for 0.25% off of rate.

CJ continue flipping with your 100k and based on your income you may be able to qualify for the City of st pete down payment assistance program up to $60,000.  

Ask your lender if they have a "free Refinance" program too after you add the value to the property.

Once you close with CMG you are automatically enrolled in their rate rebound program.