NFIP Insurance: Get quotes from private flood insurers as well as the National Flood Insurance Program (NFIP).

I had been a tax client of Anderson in prior years, but never signed up for any of their client programs.

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy+tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

There is a local loan program, I believe it is called the MCT loan. 

I'd have suggested a down payment assistance program for your first purchase.

@Les Jean-Pierre Had Section 8 tenants and got a bunch of energy upgrades through a state program.

Quote from @Kyle Carter: What about if I already have a rental, not with the home buyers program.

Many states have a "reciprocal license" program to simplify the process.

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In many cases bigger banks or lenders have specific programs that cater to first time home buyers and investors.