Keith, I can help you in Pa with that program.  

It is a loan program available in New Mexico that allows the buyer to get in with little or no money.There are several people doing LO's in our market and around the country that have put a lot of time and energy in to researching how to do this legally.  

I looked into the deed on the county site and found that there was a tax certificate that was purchased on it in 2011 for $3,566.00 at 11.75%.

NA Beard I am not an expert but I think the FNMA programs require 20% equity from the borrower.

Any legit bank programs that are asset driven usually still look at your credit score and usually won't do $20K loans. 

I have a software program that finds me the most deeply discounted properties in a zip code, both on market and off market. 

You should check out the local REIA "Lexington Wealth Builders" and look into the SCORE program for mentoring.

The second person on the application does not have a job here yet, but has a desirable healthcare certification and is transferring her license over to this state.They did a walk through, seem real nice and filled out the application.

We also give gift certificates/coupons to these businesses as part of our "move-in" package we give each tenant.

May well be programs in other areas as well.