2.Are there strategies to reduce the required down payment or secure better mortgage terms?

I don't believe "waiting it out" is an effective strategy.

You can only sell it to landlords using the rent by room strategy.

@Chris KittleI was not directing it to you but many vendors push elaborate schemes and use fear tactics to sell some of these strategies.  

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It creates a space for people to reflect, learn from each other, and even rediscover strategies they’ve forgotten.Revisit the Basics: I love how you mentioned going back to basics.Invitation is open let's have a coffee  next Tuesday  7:00 PM at the Squadron Restaurant next to Miami AirportJan 27,2024. 

That's up to your goals and long term strategy.

There are alot of real estate strategy out there which will allow you to obtain a piece of property unconventionally. 

Given your experience, what do you think about this strategy?

So I wouldn't hurry to jump into a program right away, but take time to learn your options and find one that fits the strategy/location you want to pursue.