That being said, I would never just rent a property I bought sub2 but instead would sell it with lease option and get a downpayment (i.e. option consideration) which can be used when needed bad times.

Welcome, Lance Get a great Mentor A great Contractor and Realtor Work on your down payment and Credit

Welcome 1-,Get a great Realtor. 2-Get a great contractor 3-Get a down payment for a property. 4-Work on getting your credit score better.

The credit union with which I work does have a due on sale clause.

@Ryan Stuckeywhat are the experience and credit requirements for the 100% program? 

They were actually receptive of the assessment and paid within 30 days.I am considering solar now and that will be something I pay on my own. the reason is HoA does not pay taxes and it wont benefit from the renewable energy tax credits.

VA is great for the 100% financing which covers 2-4 units as well and those can be rented in addition to rooms in a primary.Just make sure you shop around for quotes (without letting multiple lenders pull credit). 

Along with the FHA loan, check out the loan from the Neighborhood Assistance Corporation of America (NACA).NACA was formed in 1988 and provides an affordable option for potential first-time buyers:✅ No down payment✅ No closing costs or fees✅ No mortgage insurance✅ No consideration of credit score✅ Below market fixed interest rateThere are several requirements to be eligible, starting with attending one of their workshops.https://www.naca.comI wish you all the best.

Just a thought, is an equity loan or equity line of credit an option on either of these?

Or do you just mean it may not be on your credit report?