Efficiency Maine has programs that offer rebates for multifamily upgrades: https://www.efficiencymaine.com/at-work/multifamily/ .

This criteria is for 1-4 and 5-8 unit programs.

Hi Frank - your lender is likely requiring the primary residence clause as part of the 3% down loan program. 

Physician loan programs can swing wildly from lender-to-lender because most physician loans are portfolio programs which allow each bank to make their own decision on guidelines.Many of the programs will allow you close within 30-60 days of your start date as an attending physician.   

I was wondering if there are any programs that any of you recommend to becoming a better real estate agent, especially with studying and learning the laws and regulations for the test.

Consider the security deposit waiver program.

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.

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.  

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").