There is really no special financing for “first time home buyers” except for a few rare local assistance programs.

Assign individual properties to each child.

This neighborhood typically has government assistance w/ rent.  

@Ian SimonIt has been very successful for the people I have assisted with the adwords and PPC advertising.

General OverviewAn RE Investment firm ("Firm") creates private mortgages with individual home buyers. 

I am not interested in why a applicant does not qualify or to complicating my process by having to qualify a second non tenant, chase that individual for payment and possibly risk having to evict. 

Basically, I want to make sure that my tenants will be able to pay if one of them ups and leaves, disappears, or gets hit by a bus.Is it ok to require minimum income of 5x for household and let's say 2x for individual?

I would also like additional capital to -Fix up that home (instead of me paying for the repairs/upgrades over time)Invest in stocks, (As I've been learning/studying for over a year now, making small amounts here and there as a trader) Potential upgrades for my business (me and my family run a successful auto body and paint shop)Because of my good credit (almost 800) I feel like some type of bank/company/individual must be out there willing to work with me!

You probably should get an attorney to assist you with the loan modification paperwork and any state laws.

But finding people who get housing assistance seems like it can really pay well and consistently.