Although they have been a lifesaver for me they probably are not what I would use today, however because they are not consumer oriented you have a LOT of control all the way up to locking out the thermostat completely to only follow your programming.

What programs have you used for online rent collection?

Don't sign up for some expensive training program, but do find that grey hair mentor in your town.  

Right now I am in a paid mentorship program but I didn't join that until I gained a clarity and focus of my short and long term goals.

We have first time home buyer programs and specialty loan programs to get you in at or 3.5% down payment options and some second loans / grants to help even more!

@Sandra Andrews @Brandt Baize We found out about the program through Life Changer Loan, who is a broker.

Now, that is generally speaking, I know there are some programs out there that might allow you to do it but you will need to find the right lender or broker (which I'm sure you might find here in BP forum). 

@Brandon Rush @Jamila Thompson just to piggy back off Brandon I would definitely start with a FHA program.

If you plan on living in the home for a year the state offers programs if you go that route.

So go with a fourplex since it qualifies as a residential loan (5 plus units is commercial) and you take advantage of first time home buyer program (low down payment :)).