For local banks/credit unions that *could* if they wanted to they don't because that deal is typically too complex for them to want to create a loan program.   

What are your thoughts on first time home buyer program?

It is called a 401K ROBS program. 

Feddie Mac has the small balance loan program, but I believe it starts at 1m, so depending on how much you put down, you may qualify.https://mf.freddiemac.com/docs...

For rent accruing on August 1, 2021,or thereafter, and unless an exception or other state law allows for eviction, landlords areprohibited from serving or enforcing, or threatening to serve or enforce, any notice requiringa tenant to vacate any dwelling, including but not limited to an eviction notice, notice to payor vacate, unlawful detainer summons or complaint, notice of termination of rental, or noticeto comply or vacate, if, unless otherwise permitted by this order or under state law, a tenanthas (1) made full payment of rent; or (2) made a partial payment of rent based on theirindividual economic circumstances as negotiated with the landlord; or (3) has a pendingapplication for rental assistance that has not been fully processed; or (4) resides in ajurisdiction in which the rental assistance program is anticipating receipt of additional rentalassistance resources but has not yet started their program or the rental assistance program isnot yet accepting new applications for assistance.o There is a presumption that any rent payment made on or after August 1, 2021, isapplied to current rent before applying toward arrears.o A landlord is not required to accept partial payment of rent but is required to offer atenant a reasonable repayment plan under this order and pursuant to Section 4 ofE2SSB 5160.o A rental assistance program is authorized to share the application status of a tenantwith the tenant’s landlord.https://www.governor.wa.gov/si...

The rates on these "Private Market" insurance programs can be significantly cheaper than the National Flood Insurance program (NFIP) from FEMA. 

You should be able to see in the certificate of occupancy.

An additional question: In the contract we recieved, it states: "Seller will provide estoppel certificates as a required delivery item prior to the close of escrow and estoppels will not be subject to any buyer contingency approval.

So in that case you'd be better off going conventional with 85% LTV for a 2-unit and 80% for a 3-4.Lastly you could look at a DSCR (debt service coverage ratio) program, however those are intended for pure investment and carry higher rates, costs and longer closing times.Hope this all helps.

This is a great program.