Per my knowledge, I think the best you're going to be able to find would be 15% down payment and that'd be going on a non-qm type program. 

They have benefited well from the opportunity zone program as different asset managers approached and developed Winston Salem due to this.

As @Tarik Turner referenced, the other way that some lenders allow for STR properties is by simply diverting all STR-use properties into their "No DSCR" Programs.

Any time you can get a conventional OO loan that will usually be best, but the other programs have some of their own benefits that make them really beneficial at times.

You may also want to consider joining a coaching program.

No real benefit that I can think of, and it will be more difficult because most regular loan programs will not lend to LLCs.1031?

My advice is to look at the first time home buyer's program and see what the requirements are. 

Do you program all the fobs yourself or a third party does it?

There are a number of loan programs that could give her limited cash for repairs.

With those types of funds, you can certainly purchase a multi family with the FHA down payment program that allows you to put as low as 3.5% down and start to scale your portfolio from there.