Is this just a function of low inventory, high interest rates, and high taxes? 

And most require FULL DOC programs to mitigate any credit-risk on their part.

He bought the home with no money down, Home town Heros program and creative finance, then we developed the property by improving it with electrical upgrade additional meters and more bedrooms.

That killed (along with the recovered market) my company's program, but probably saved billions in US tax dollars since people routinely overpay for housing product.

You have to use the special math genie program I have developed though to understand how to calculate the returns. 

I would say you can just put down 20% and there are even programs that are doing 5% down on multifamily.

I tried Invelo, I am just not impressed with the complexity of the "marketing" functionality.

Any type of traditional/conventional loan program will be tough in this scenario. 

They will allow your mortgage payment and any personal debt payments (credit cards, cars, etc) to reach about 45% of your monthly income.Programs vary all over the place so it's best to ask a mortgage broker which programs you qualify for.They like two years on the job, rent paid on time, no liens or judgments, pay stubs, tax returns and so on.FHA has a 3.5% down program plus closing costs.

The government has a program in place that covers 70% of the housing costs for approved migrants, leaving the migrants to cover the remaining 30%.