Call me lazy but I don't really have the time to cold call the hundreds of banks (https://www5.fdic.gov/idasp/main.asp) to see if they have a portfolio loan program works for me in the markets I invest in.

There are many "first time" (not having owned a home in 3 years) buying programs that offer assistance with downpayments as well.  

@Wendy BlackWe have invested in foreclosures, estates, and tax liens/certificates, having dealt with probably 1000+/- and except for the rare exception, they are vacated by the time title can be obtained.  

There I worked heavily with single family housing development (rental and for sale), down payment assistance program, acquisition/ rehab of abandoned properties, and overall community development.  

Although it is a federal program the offices are run locally and with different rules. 

In short, the programs you are talking about are "First Time Home Buyer" programs. 

Be sure to check the county records that the bank received a Certificate of Title and not a Deed in Lieu, then you should get clear title.  

FIRPTA requires escrow officers, closing attorneys or other settlement processors to withhold and remit to the IRS 10% of the gross sale price unless the IRS issues a Withholding Certificate of Exemption to the closing agent. 

I'm also waiting to get into the Radiology Program at Fresno City but in the mean time I'd like to get involved with Real Estate.

Frustrated with the system and the homeless rates of former foster youth, I developed my own program to improve those outcomes.