Consider the security deposit waiver program.

If the subject floor is not perfectly flat, pour a self-leveler over the existing flooring (read the instructions on the bag FIRST). 

I have confirmed what @Garrett Brown shared -- my best option is an SBA disaster loan with a lower than normal interest rate to pay off our mortgage and then I can also hope for / pursue with others a land buyback program for those of us who have floodplain property that FEMA won't reinsure.

Generally 1-4 units have better terms compared to 5-8 unit programs. 

(HACW being "Housing Authority County Wake"; and HAP being "Housing Assistance Program").

On the property side you need to find a nationwide program, plus the maintenance program.If you didn’t salt the sidewalk or didn’t let me rent because I’m Serbo Croatian.  

However, with any course or program, it’s essential to approach with a bit of caution. 

Jamie,You can buy the other lake home using a 15% down investment program or DSCR. 

There are DSCR 5-8 unit programs that have 30 year fixed rate terms for DSCR 1 ratios.

Thanks for any help’ Yes we're licensed there and FHA guides in one state apply to all states unless a state has a specific law that supercedes the FHA lending guideline.FHA is always 3.5% down minimum (in some cases less because you're using a DPA or down payment assistance program or 2nd lender to put down over all a lower down payment than 3.5%, Aka for instance 3.5% DPA + 96.5% FHA = 100% financing but just dont kid yourself this is fully 100% leverage and to be used with caution and carefully).In the case of 2-4 unit FHA is still 3.5% down payment @Matthew Kwan @Carlos ValenciaThere are rules regarding FHA such as:- primary residence - you must occupy one of the 2-4 unit property as your primary over 50% of the year and the underwriter needs to believe you will remain and have the ability to live in there, any deviation from this and you'll get a whole laundry list of conditions asking you to prove why you should be believed to be living or will live there (if this arises dont be surprised, it just means the UW doesnt believe you).- SS rule - self sufficiency rule - gross rents of all potential units 2-4  X gross rents at 75% needs to meet 1:1 or 100% of the monthly PITIA payment or greater.