There are 3.5% down FHA loans, 5% owner occupied conventional and down payment assistance programs you can look into.

We designed our program with @Chris Klingemann your issues in mind. 3 mos seasoning, 75% LTV cash out, LLC ownership, 30yr fixed rate and 30yr term, rates in the 4s (down to 3.75% with a buydown, actually).

If you don't mind me asking, you mentioned a mastermind group, is this the same as a mentorship/coaching program?

There will be variations of the terms above based on program and lender however these are the terms set by the Non-QM DSCR 1-4 unit that my company uses."

The program was designed to be in an LLC.

You would have to qualify debt to income wise but if the purpose of the home fit the guide lines rulebook, HUD 4155.1  You could buy your next home using FHA.There are a lot of loopholes when buying and using FHA, VA-Military, USDA, DPA-Programs you just need a seasoned mortgage banker who can walk you through the process ahead of time. 

So I went ahead and did it, and then realized that there was no program that I could find where gift money was permitted for delayed refi.

I would try them out before I spend money on fancy programs I don’t need that cut into my bottom line. 

Refuses to communicate, and is not cooperating in completing the paperwork necessary for CARES/rent assistance programs.

I'd like to know what company/service/program that is from/called.