You might want to get their background / credit report as well. 

Both are great programs and your overall credit profile would be a large driving factor as to the better fitting program. 

I am single, have $5k left on my car loan and $5k credit card debt.

@Chantea Cooper, competition in MFHs are high but that doesn't mean you can't find good deals.

Because I don't have a mortgage and not amazing credit I don't look great for a traditional mortgage through a bank. 

Most will request that all assets be in an LLC; however, all ten loans would come off your credit and become a business purpose loan.

I know for sure that you can give Home Depot cashiers credit card numbers over the phone to key-in for a purchase.

I lack the funds and my credit isn't superb, but climbing back up. 

My advice to my daughter and son-in-law as they did not want multi-family, either, and wanted to buy a home to live in,  not just investment property, was to buy something that needs some work, plan to fix it up within the 2-year tax-credit time period, sell and keep profits tax-free, then buy another one that needs work and repeat until children need a solid school district.   

Thanks for the reply Brian, 5% is what the loan specialist I am working  with sent me today as the ball park rate based on my credit score.