We did not get a certificate of elevation via land survey before we bought this property.

Hey @Katie Fajardo you can do 3% down FHA on them; however, some lenders only have programs for small multifamily 15% or more on the purchase, so check around for the right lender for your situation. 

I'm looking for a lender who has a good program for investors that own multiple homes and or commercial properties. 

The program is a sh!

Where is the best place to find out about financial assistance programs?

The estoppel certificate is a form filled out by the tenant and then confirmed by the Landlord.

Its under the SIP Special Initiative Program.I have a few questions:1) Once the program ends, am I able to pick up the rent to whatever the market rates are at the time?

Maybe they have a "startup program" that meets your needs.

I'm just wondering if there is any super creative program out there that I don't know or think about. 

(you can still use leverage when offering cash, and there are even "same as cash" programs/bridge loans that give you the advantage of being a cash buyer even if you don't have the cash).