Look into mortgage, loan, and down payment help programs.

I am curious if the fees I am being presented are in line with market norms:lender app fee: $10,000Origination fee 1% ($20,000)Lender costs: shows a fixed amount at $10,000processing fee $895registration fee $10,000Title and escrow fees: $4,000 est.6.5% rate fixed at 10 yearsPrepayment Penalty: Yield Maintenance months 1-114 (1% minimum)Third Party ReportsApppraisal Required Engineering Required Environmental N/A Seismic Report N/A Market Study N/A Funded EscrowsReal Estate Taxes Required Prop/Liability Insurance Required Special Assessments N/A Ground Lease N/A Replacement Reserves N/A Required Repairs TBD Debt Service Reserve N/AWould love to hear your thoughts on this as well as what you think is appropriate fees for the freddie mac sbl program. 

While some lenders can get creative with income and/or don't require personal income underwriting, DSCR lending programs technically only apply to SFR 1-4 units and small multifamily (usually to 10 units). 

There are non-conventional programs that will allow on an exception basis but not ever one can qualify or will even know about those programs.  

Trailers and fabricated houses have their own loan programs called Chattel Loans. 

To choose the loan choice that best suits your financial objectives and preferences, compare options including conventional loans, FHA loans, VA loans, and down payment assistance programs.

What mentorship program are you using?

They do penalize you for claiming the roof now. and either increase the rate or kick you out. of the program. - Speaking from experience after several successful roof claims...

Most housing authority sites will have some kind of information on how to register for their program as a landlord.

 $7800 for a 3 month program.