You should copy your program and start selling it nationwide, partnering with every investor with some cash.You'll soon be a billionaire!

Typically, yes, most programs will require anywhere from 10-25% down.

Foreclosure should be the last possible step because it will take away you ability to finance any real estate for several years, even up to 7 years for owner occupied programs with good terms. 

Fellow landlords, have you ever rented to tenants using the social program from SafeHarbor.org?

Also there's a down payment assistance program (still trying to understand) which is how you're able to get the project 100% financed and bring very little capital to start.

We have some great programs. 

Out of all the programs I’ve joined.

Does anyone know of any lenders or programs that might be open to a HELOC on a rental property?

I charged 15% And I spent the money to run a fly buy program with CA investors and sold them all in one weekend at a big event that cost me 50k to put on up front :) so there is more to selling real estate than conformity to norms.  

I had a whole incubator program I called "0-Hero" where I would train a person in everything, literally everything, from 0, and promoted best part was no buyer-list needed or struggle to find $ because that was me, done, ready to go just do the steps.