Apply for any related to accounting, state CPA societies, ect First time home buyer programs often allow for 0% purchases ect. 

Hi BJ, Visio has programs for what you are looking to do, take a look at their rental refi programs.

That's what I was thinking but if I completed the 1 year of owner occupancy, I would think that I would be free to obtain another one if I wanted to move, regardless of the reason but that must not be how it works even though I'm putting down 15% and not using a special loan program where I'm putting super low down payments such as 3.5% or 5%.

I am a graduate of Brian Page's BNB program and a Airbnb Super Host with several listings.

You all have bought into all these real estate programs to the point where you have totally lost your humanity. 

They are very good in marketing about their services and programs for sure just to get you in the door.

On all my properties I'm enrolled in the landlord reversion program.

There aren't a lot of landlords that will work with this program so the Housing Authority is a good resource to find tenants.

A few ways that may help increase your reserves would be an FHA 203k loan or equivalent lending program which would allow renovation costs to be added to the loan.

University of PA has their mortgage and home improvement program available in the  Forgotten Bottom which the University considers Grays Ferry but it doesn’t include ‘the real Grays Ferry’.