With 780+ credit and 40% down coming from our own home sale proceeds, using our current lender's "customer for life" program to re-apply, and with perfect payment performance over 8 years with them, is the 28% front end DTI written in stone, or is there flexibility?

If so, you'll probably only be able to find windstorm coverage through TWIA (the state's program, any insurance broker should be able to write a TWIA policy.

Tenant filed for ERAP AFTER receiving eviction notice (Emergency Rental Assistance Program).

I know you say you are not a pro, but have you ever heard of this program?

Both programs allow you to export all your data so that you can forward to your accountant.

We're looking to buy in the Charlotte area of North Carolina if that makes a difference.Also, although we have owned homes technically we have never financed a home before, so I'm also unclear on whether we may qualify for any FHA programs since we do want to finance this time around.

I'm an asset manager handling roughly 150-170 properties nationwide through the Fannie multifamily loan programs.

What programs do you have in place to keep residents happy?

Search FHA first time homebuyer programs.

My biggest concern is with affording the down payment combined with any closing costs or fees that come along the way.I've been speaking to a few different loan officers, and the consensus seems to be that conventional loan programs for a duplex property type require at least 15% down.