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 

I thank you for this amazing example that I am now going to integrate with my REI Agent Advisor training program as it's the perfect poster child of everything wrong with this "segment" of persons, there propensity to need the center stage and grab every soap box opportunity regardless of capability or command of any coherent specific knowledge, experience or performance and even a step further, boasting of their ignorance and instilling the PC-socialist rules that since they are clueless all others must adhere to that low bar and not show them up for fear of dashing the "all are equal" chant railing over and over and over again. 

I like the program a lot.The key to doing S8 well comes down to 2 things - meticulous tenant screening and being good at managing details.