Has anyone heard of this program OR know of a better method for learning about this and getting involved?

Invest for the long term, and you'll win everytime.  2 of my colleagues run the Midwest Monster Program.

Fingers crossed. ask the building department / licensing division if they have any programs for people screwed over from licensed contractors.

From what I understand some people are just wired different and can totally function off less sleep per night.

As long as your credit is good you, if your HELOC rates go up, you should be able to rinse/repeat that "0% balance transfer" option every couple years until the debt is paid off.There are alternatives out there as wellLoan on your 401k or IRALoan on your stock accountDown payment assistance programs that provide all or some of the downpayment money.

Now the University of Penn has a housing program for employees.

(Side note, these emails are as if their program doesn't know I've already paid for and utilized their program).

Biggest suggestion would be to make sure you are flexible, willing to work with multiple housing programs, and hire a good manager if you are not going to self manage the units.

Contact section 8 case worker /social services to see what programs the tenant can qualify. 

Once you have a short list, get an account with each one and run them through the wringer to see how they function.