Liquidity is needed to close the loan and having lots of additional liquidity may help you to get an exception, but it will not make up for experience or a low FICO entirely. 

With the run up of multi family prices, relatively high rates and the 3.5% low down payment this is virtually impossible (outside of some markets in the upper midwest) to make happen. 

As with all things, they could bail if they had better options, but my rents are on the low side so overall they still have a good deal. 

Examples: Medical Professional Financing (stronger rates and limited down), low down payments of 3.5-10% on jumbo primary, second home or investment properties, 10% down for investment properties of 1-4 units (with no PMI) and portfolio or private loans with attractive ARM or seller carried rates we negotiated. 

100-150 calls per day seems very low for a triple line dialer.

Start small with single-family homes or small multifamily properties, or explore house hacking for low upfront costs.

If they are even slightly unhelpful, skip the low-paid caseworker and find an attorney.

This doesn’t negate the need to check the lines, however.Pay Attention to Pride of OwnershipAmateur repairs—or a lack of repairs—and deferred maintenance are typically the result of a “low pride of ownership.”

Odds are the drain line, condensate pump, putting down new riser blocks or mounting blocks, the whips and line sets, new disconnect box, new low and high voltage wiring aren't in your Google pricing.

Was looking at projections today based on rate cut cycles and chances are we could see rates drop into the high 4's/low 5's in the next couple of years on average (that's based on previous cycles and a decreasing spread between the 10yr and mortgage rates).