If you don’t have a large down payment saved up, don’t worry—there are plenty of options available . . .”A trusted lender will go over the various loan types with you, any down payment requirements on those, and down payment assistance programs you may qualify for.

@Heather McNicol when you say the program is expensive, can I ask how much the program costs?

Dave Ramsey probably wouldn’t approve, but it’s how I was able to scale up to 29 buy n hold SFR.

There are many communities within each of these areas that run or allow nightly rental programs. 

There are loan programs specifically for Virginians.https://www.virginiahousing.com/enGood luck and Happy 2025

Is it tough to get approval for an ADU in the garage in Toronto?

And if someone tries it, without paying for classes or programs, they can either net a deal or loose X number of hours of their time trying it.

The high end is the 20 or so co ops on 5th Avenue or Park Ave (one is on East End Avenue) that require liquid assets of $100 million + to gain board approval.  

I just do not understand the need to add "benefits" to the programs  that are just not real. 

Quote from @Jeffrey Hill: There are a couple of challenges with financing the difference. 1) The current servicer has to approve it. 2) Finding a lender to do a 2nd mortgage at 100% CLTV is almost impossible.