There are programs for first time homebuyers.

And cash flow negative is a function simply of the leverage in a deal, you can be CF positive you just need to leave more cash in the deal and it's worth it for a better property.Completely different way of looking at things and you're going to be forced to evaluate like this in a new higher rate era plus housing scarcity.

For overnight rentals, functionally it is a bedroom.

any free programs?

Then as people move out do the exact same thing to those units.You can get in with an FHA loan at 3.5% or a first time home buyer program. 

However, I saw enough that I believe that the information available is so imperfect and subject to interpretation that large losses would be an inevitable part of the program, as well as large gains.  

The real estate market is constantly shifting, and most coaching programs are outdated.

The DSCR program "Must use the lesser of the two either common rent from the appraiser 1007 rent schedule form on the appraisal or the lease".You also have to factor in the taxes and insurance because a guesstimate or ball park can kill the approval. 

Make sure you have smoke and CO detectors in appropriate places, GFCI outlets near water, functioning mechanicals, make sure everything is in good condition and you shouldn't have a problem.

Yeah I’m a real account I was just trying to see how legit he was but thank you because they we going to get me for 2,000$ to enroll in their program soo much appreciated 🫡🤞🏽