I see credit cards and car loans as , but I do not see mortgages being paid down by the tenants as debt as bad debt.Because of the 4 reasons that are listed above I was very skeptical and even today I have not went through his whole program.

After Hurricane Sandy in NY the vast majority of the houses on the South Shore of Long Island were lifted through various government grant programs.

One thing I'd comment on about the DOGE cuts, there's a big difference in making cuts to the "management" of the program versus the actual subsidies received by the tenants.

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

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)

Are these programs upwards of $25,000 worry it to FastTrack you on learning the business, get coaching and into a deal while providing access to a network worth it?

FHA also allows some flexibility with grants and assistance programs, which could help with closing costs or down payment.

A lot of private lenders will use their white label program to appear as a direct lender, however it is just another loan broker.

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

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