Does anyone have experience with these programs?  

I've never dealt with them, but I do have a link:http://www.ffbinsurance.com/special-programs/tenan...Good luck and let us know what you find out if you don't mind.

I just got "too busy"/not disciplined to stick with the real estate program. 

For these reasons, the City Council believes owner-occupied rental properties exempt from the Just Cause for Eviction Ordinance should similarly be exempt from the Rent Adjustment Program so long as the property is owner-occupied.

Think of it as paralleling the debt collector program; persistent multiple mailing.

I'm trying to learn about how landlords have moved to a more automated way of doing things (if they have) for a program I'm in?

Sounds like a sandwich lease program. 

@Timothy Maloney Could you explain the line of credit program that your company offers?

Sadly the good programs are going to cost that much or more. 

Through doing a little research I found TDs "Right Step" program that only requires 5% down but cannot find any more information on the program itself.