near 0% and 0% options with DPA's exist (down payment assistance) programs.

I was involved in R&D program with O.C. on "solving" a solar-on-the-roof solution that (a) worked and (b) was scalable. 

Hey @Matthew Giblin - I'd have to echo @Shamar Gregg, Chicago offers a great section 8 program through the Chicago Housing Authority (CHA). 

The rumblings of the NYC to Scranton Amtrak line seem more realistic than ever before with big funding from various state and federal programs. 

Many of these were part of our early access program and received information on the project before the webinar, but overall because people know we sell out right away they submit their soft commit, and then do their due diligence before wiring their money.

However, it's nicer as you don't have to deal with lead certification laws that are all wonky and poorly enforced.

If you do not own a home yet and you do not have a ton of cash you can always use a DPA - Down Payment Program.

We require all inside animals (cats & dogs) be on a flea & tick preventative program.

The terms you are looking to offer definitely appear reasonable and you should be able to get these offered out under a white label or table funding (maybe not all those terms at once, but likely covered through different options/programs, even with one lender)

In this instance the judgments (20+/-) are already issued, now its a matter of collecting while the individual continues with their training programs and buying loans.