We do have programs where we finance renovations.

You might check out REI Nation or Mid South Home Buyers, I think they offer those programs.

It does not.Here is the complete, relevant statute (as amended):"Real estate broker" means any individual or business entity, including a partnership, association, corporation, or limited liability company, who, for compensation or valuable consideration, (i) sells or offers for sale, buys or offers to buy, or negotiates the purchase or sale or exchange of real estate, including units or interest in condominiums, cooperative interest as defined in § 55.1-2100, or time-shares in a time-share program even though they may be deemed to be securities or (ii) leases or offers to lease, or rents or offers for rent, any real estate or the improvements thereon for others, or (iii) sells or offers to sell, buys or offers to buy, or negotiates or otherwise deals in real estate contracts, including assignable contracts, on two or more occasions in any 12-month period.The newest language (in italics) refers to individuals or entities who DEAL IN REAL ESTATE CONTRACTS. 

Look into trade programs offered by high-end furniture and home decor retailers, Consider commercial-grade furniture which is designed to withstand heavy use. 

Hello BiggerPockets Community,I’m reaching out to gather your insights on rent-to-own housing programs.

You will get better terms for the ratio on 1-4 unit DSCR programs if you hit a DSCR 1 ratio.

The instructor will go over the program and answer questions at the end.

Another one is "Sub-To"....but be careful of buying into these expensive "Sub-To" guru programs.

But have you ever considered the rent adjustment program?

It's also free and considering how much other programs are charging, this is a huge plus.