It only cost $100 which is the annual membership to the Austin REIA so we signed up.We did not take the next step and sign up for his guru program.

Since this will be my first purchase, I would like to take advantage of a first time home buyers program.

@John AlanisUSDA rural development offers two programs for the purchase of singe family homes in smaller communities. 

If you are considering purchasing a home to owner occupy and are a first time home buyer take a look at the first time home buyers assistance programs.

@Bill Gulley has an academy program if you're interested.  

I thought the program is for first time buyers.

I've been looking for a program like yours but not too many around.

Because it looks bad to override another DE.Your best bet is to see if the buyer can qualify for other financing (there is a new 97% LTV Conventional product called HomeReady), or maybe your state has down payment assistance programs (i.e. here in IL we have a $7,500 DPA program through the state you can use with Conv financing depending on the area, purchase price, and household income).Hope that helps, best of luck.

Quickbooks is good but you should also look at a full service management software programs for the real estate landlord.

There's nothing wrong with being creative...it will lead to your best returns but, when it comes to federal loan programs...it's strictly by the book.