These are no money down programs

My end result: I want to start a program, non profit, helping homelss people, especailly the ones who are mentally incabable of getting a job or taking care of them selves off the street and into proper care and help.

Hello neighbor~That program has a terrific reputation... best of luck to you :-)

Plus, all these online gurus keep making it out to sound like if I don't buy their programs, I won't do it right!

The hard money program we have is only for investors.

They may have a program to help smaller companies but I doubt it gets a lot of attention.

As you pay the HELOC down, there's money you can use for a down payment.There are plenty of 100% financing programs available, but the more properties you own, the more difficult it gets to get approved for a loan without at least a small downpayment.

My company has the following program available:Non-owner occupied1-4 unit100% LTV3% sellers assistPlease contact me for further info!

You mention a program for teachers?

May not fit Your scenario at all, especially providing office space & overhead, however heavy hitters getting 75-80% based on PRODUCTION (all over 10k a month in fees=65%;allover 15k a month in fees-75%;allover 20k a month=80-85%,etc.)