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’. 

As a first time hombuyer I was accepted into a program that offers assistance.

Should I consider repairing the well and going that route or stick to city water and implement a better submetering program to recapture more than 30% of the cost of water?

They sell teaching programs, but the free content they give in their podcast is really good.

Low down payment programs exist that might help you out.Always happy to answer any questions you might have.