Triplexes and Quads have some added qualifiers by FHA that makes it harder to find ones that qualify in some areas.There are down payment programs in many cities for lower income home buyers to assist with the down payment.

@Christopher P Clairmont I will DM you the program many of our clients use. 

Big banks, such as Chase, don't generally have the flexibility on loan programs and not always the best rates/fees. 

There are several loan programs/options where the requirements will vary.

We discuss the ERAP program, and I tell her I am more than willing to work something out, but I found out she lied about applying for the program earlier(luckily I called to confirm and they told me she never applied) and now she just applied to the program for real.

You will find an array of different lending programs.

@Stuart Hoffman I've found that many lenders selling to the secondary market offer pretty similar programs.

Jesse,Depending on the situation a DSCR program may work, Bank statement loan, or Alt Income each one has a higher back end DTI acceptability. 

Even when I have had access to the MLS, I still used other programs with better search tools. layout, Etc as  @Russell Brazil said....I have had a RE license in addition to Contr's. license and IMHO the RE license should be left to professionals.

A lot about DCRA permitting processes relative to the ease in most of the Virginia jurisdictions, didn't forecast the length of time it would take to sell given the price point/neighborhood (not nearly as quickly as our $400K home last year), definitely something we'll consider before another project of this scale, lastly, we learned a ton about the DC Downpayment Assistance Program and time/bureaucracy involved.