The answer is not a government program.  

What I’m seeking is a program that can put it all together automatically which I can manipulate.

I would make it a goal to walk out of that meeting knowing that you were pre-approved for an amount and also the type of loan programs available to you once you make a decision to acquire a property.

(there is still a mortgage on the house) One thing we are considering is keeping my mother in law’s name on the mortgage Bc we wanted to buy our own property and would like to use any first time home owners program that we might qualify for.

Great, now we get the same copy and paste message from more than one  offerer of sophisticated and expensive programs out of Austin. 

Utility companies, local, state, federal governments all have it.

You definitely want to check your local laws governing STRs, both current and any rumblings about future regulations. 

This way, my tenant is paying for it in small pieces, spread over 30 years, which I never hit, so the cost to me is only the loss of CF (minimal) while I'm still the owner.2 - HVAC - Covered by my local utility company through an "appliance repair" program. 

Associate with a Broker who has a steller training program, like Coldwell Banker or ReMax.

So your first paycheck can be 2 to 3 months from after you pass your exam.Don't worry about the interview, it's basically about convincing you to take the re class , pass the exam then come back to them to start with.In my personal opinion, your best Broker to start off with is Coldwell Banker or Re/Max they both have a new agent training program that is the best in the industry for starting out..