@Eduardo CamposAs others have mentioned, the "first time homebuyers" program is normally intended for houses that will be owner-occupied.

Some 3 and 5% down conventional programs do not have MI but its concealed in the rate which can be better since mortgage interest can be a write off and MI is down the tubes.  

I would tell my 19 year old self to skip college, skip graduate school, skip law school, don't buy any of the guru's courses, then go get a real estate license, find a broker with an in-house property management team and a great training/mentor program, start selling properties, find some successful investors to work with, and model their business.

Conduct some research on this, and then find a great real estate agent/broker in your area that is registered to represent you on HUD home purchases and is knowledgeable of the FHA and 203k programs.

and banks stopping certain lending programs (smaller banks and third party lenders). 

WHICH ones do you like, that have communications Built-in, through an APIs, and can track response of marketing outreach programs like text messages?

My current homes have been 4.25 to 5.25 since they are still fitting under the Fanny/Freddie programs.  

Hello everyone, Has anyone used the program Westhab?

When you get here, look at the 203k loan program.

Hey @Tiffany B Alexander, have you looked into FHA loan programs?