They have overhead with staff, fuel, supplies, etc. 

In both my seller financed deals the primary bank I was betting on backed out.

There are a bunch of ways to do this depending on the property type, usage, and you (income and credit scores).If this is a primary residence, you can get up to 90% of the value of your home minus any exisitng debt. 

@Elizabeth Lebit's either house hacking (if you're looking to buy / live in a new primary) or nothing.it's not enough to do anything else.

If it is a primary residence it gets resolved fast, however when is an investment property it is a real pain to get them out. 

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If I pay for it initially with my primary residence HELOC , currently at 8%, the interest only payments would be $640, so $1,340 monthly expenses mostly. 

Credit score shouldn't be the primary driver of tenant approval, because if they could qualify for a mortgage they probably wouldn't be renters.

I am curious as to if anyone is aware of any first time home buyers programs for buying the first Primary Residence.

It has to be your primary residence to be able to use your VA loan.