Anything 5 unit or above is going to qualify as a commercial property with commercial financing or not with a First Time Home Buyer's loan which is a residential program. A

@Betsy Mendez You can start your investment journey with this program as long as you stay in guidelines.

If you hold a note portfolio you would probably want a specialized note accounting and or servicing  software program.  As

So, for a 1 day repair I can program a single use code that deletes itself after one use.

Realistically I would need to do that after I utilised any FHA program as I would want to keep that for a year and then start putting down 20%.

If a tenant isn't paying, you can apply for the Virginia Rent Relief Program, as long as the tenant cooperates. 

You don't mention how far you are along in your program.  A

Maybe best to cashout refinance something in your portfolio to get the downpayment, or to go with a hard money program as that will allow you to put down 10%  

Hello Bigger Pockets Forum,While I was in my MSIRE program a few years ago, I had a professor who asked us to custom design a variety of lending/ financing options that would best suit both the borrower and lender landscape. 

@Amy Lee - consider using a  conv  3% down program  as they exist for  fist time  buyers ......you can  convert this to a  rental in a yr  and then use  FHA for the next  purchase ...the other advantage on using  conv loan over FHA is that your  monthly mortgage insurance  is  able to be eliminated