Make sure any down payment assistance programs fit your goals and financial position by carefully reading through their qualifying requirements, terms, and conditions.

@Jessie Cervantes DSCR loans require 25% down payment and are higher interest rate than a conventional 30 year note.

The work that has been done shouldn't require any services calls for a some years.We haven't put any top end items to the home.

I have two 3-family homes and 1 duplex, none of which trigger the commercial loan requirement.

Creating an automated system for tenant screening, background checks, and lease document generation could save investors valuable time and ensure compliance with legal requirements.

Airbnb can provide great cash flow, especially in high-demand areas, but it requires more hands-on management.

Since you'll be living in one of the units, you can qualify for owner-occupied loans, which often have lower down payment requirements and interest rates compared to traditional investment loans​

Do they require annual DSCR tests?

Cash up front would be a bigger requirement for STRs too so it's not a "cash-flow" method, it's just your moving cash around differently.

As per the article from CAS below, it does require disclosure.