These government programs are intended for low to moderate income first time homebuyers.

Just create a niche educational product and sell it for a moderate cost.

Looking at more moderate prices points so we can buy more props and get more bang for the buck.  

Martin:I've got money burning a hole in my pocket:(Well, if it is causing you that much discomfort, you can have a cashiers cheque drafted to Louer Louer Ltd. and we can help ease the discomfort ;-)[Note: to moderators: tongue was firmly planted in my left cheek as I wrote the above]

I'd like to put in a kitchen backsplash, but it looks like a moderately serious job and I'm afraid to mess it up. 

I estimate that it will need some moderate updates.  

Short version:  First-time buyers and low-to moderate-income buyers have largely been sidelined by today's housing recovery. 

-----What I have:Single family home in Santa Fe, New Mexicocontract for deed (or real estate contract or land contract or holding equitable title, but not legal title) to buy the property for about 95k.House is probably worth, as is, about 189k.We have moderate income and excellent credit scores, but little to no cash.

.- The property is in decent shape but is old and needs moderate attention/maintenance. 

I'll do my best to explain this...I have been mailing to absentee owners for over a year now off and on with moderate success.