I recently completed a 2-year leadership development program with a Fortune 500 company and accepted a full time offer in Clearwater FL.

@Josh Barnett If you upgrade to a Pro membership BP has state specific forms for free.

You can actually hit up to a 50% DTI with that program but not all lenders carry that option.DSCR- debt service coverage ratio will allow you to use the rental income to qualify for a home that currently has a renter(s). 

When I began, I had left my PhD program at UH Manoa and didn't have much in the way of spare cash.

Has anyone ever used Score Master before and do you think it is worth a membership or do you think it is a waste of time?

It's been a while since I used FHA financing - is the 3.5% down program available for investment properties, where you're not living in any of the units as it sounds like was the case here?

She is not yet approved for the Pennsylvania Housing Voucher program with HUD/PHA but hopes to be before the end of the first year.

Or should I use a DPA program to offset closing cost? 

What programs/tools/resources have you found helpful for things like:Finding areas that are most likely to increaseFinding the best size or room numbers to optimize profitAny other areas that would be good to knowThanks in advance

Joining their mentorship program allowed us to learn the ropes of syndication and get involved as general partners on several larger multifamily apartments.