@Ryan Pleasant What loan program were you using to purchase with that was denied during the appraisal phase?

The Banks as well all have slightly different guidelines for their refinancing programs.

Seems like all of the ones posted on BP are just people trying to funnel you into a mentor-ship program however, I should mention, I've only been to two.

Is it the process to be approved through the HUD Vash program?

For those of you who worked this program, I salute you!

Thanks for the input, would I be able to use the FHA loan program for this?

Once its programmed to capacity, you will find it a vital organ in your business model. 

We are working with a lender that a friend put me in touch with and I have no idea what program or loan type he is using here. 

A few years ago I was in an offer and compromise, but I was kicked out the program due to me not getting a payment in after having my payment sent back to me for not having the correct name on the money order.The last few months I've been working with a advisor on building my credit at the same time establishing my business name to build business credit.

The lender also told me that I would not qualify for a first time home buyer program for myself if I move to Atlanta next year.