Hi Rachel,There are non-QM loan and investment loan programs that do not look at your income.

@Jacob Shuey I have tried 3 different coaching programs.

We have a great program right now with only 1% down for qualifying buyers that you may want to consider.Send me a PM if you want to talk more. 

It is a strong and versatile program, and it can more easily provide you with any list you want for larger properties and MF owners (among other asset classes).

Evaluate your savings, income, and outgoings; moreover, educate yourself about mortgage alternatives and programs that help with a down payment.

I have been speaking to the folks at Hamza Invests and they are confident that it can be delivered for much less based on my land costs but I don't want to fork over the money for their program and find out my instincts were right. 

If you have the 80% LTC loan, keep in mind that the lender will likely require anyone with a 20% or more interest (that's going to vary from program to program/lender to lender) to guaranty that loan along with you.

Should I get any landlord or PM programs now /.?

If not, are there other grants or down payment assistance programs for people who are repeat buyers?

I have had a few of my clients (that are teachers in LA, Riverside and Kern Counties) qualify for this program these past few months.