You can however use a True Bank Portfolio program which only requires 15% down even up to 4 units.

Some other investment loan programs allow gift funds, so there are options out there besides conventional financing. 

No $10K program for me!

There are 30 year fixed programs out there as well as DSCR based options.

Explain your situation and ask if they have any loan programs that would fit your needs. 

I signed up for his Flip Coach program a few years ago.

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

It sounds like you may benefit from a 12 month bank statement program.

I have a handful of my employees tried to make false injury claims, but they could never win, since my safety program has an embedded clause that they had not sustained injury during last weeks work, and when it is time for me to do a closeout on the project, they had to sign that the job was done and completed thereby no more work is left for them, this prevents them from collecting unemployment and making false injury claims.Anyway, I won't tell you what you must do to constitute right path, but I will give a scenario where it could go south, what you do with the thought is up to you.

Hey Kelly & Evelyn,I'm sorry to hear their Program did not work out for you.