SECOND - In the same vein, newbies ask which programs they can use to manage their listing.

The judgments have to be looked up manually, because screening software only looks for unlawful detainers and the Virginia court records don’t feed consistently accurate to the other programs.

I am not affiliate with these programs.

Most people I know start with low money down programs so they can get away with a initial capital investment of around $25k but you also need reserves.  

The Housing Choice Voucher program here is run by CMHA (Columbus Metropolitan Housing Authority).

Some programs are 100% of FMR, some 105% or greater (like the Walker Settlement Voucher in Dallas Housing Authority), some less.

No matter what program you use, you're going to see a major jump in pricing/rate from 25% down to 20%, and again from 20% to 15%.

Find a down payment assistance program and see what that looks like. 

My brokerage is part of Anywhere RE, we have the biggest names under our umbrella (ERA, Caldwell Banker, Sotherbys, BHG, Century 21) and we have a fantastic referral program that I can hand pick an agent anywhere in the country and interview them for you to make sure they have the qualities you are looking for.

Bad part about low money programs people don't talk about, before 2022 this would not be a factor