I believe that guy I spoke about ^ had a list of contractors that are already approved through their program.  

The listing was public on the MLS.

Is the source pulling a Goldman Sachs, whereby they tell their investors one thing but tell the public the exact opposite?  

(The program is Healthy Neighborhoods Program).I guess my question is .. being that I would like to get into investing ASAP and i feel like this would be a great small step , are there any more options out there that would be more optimal for my situation (hard money lender, other programs, better routes)? 

Jerry, there are several insurance programs for flips.  

We have it set on income driven repayment on the 10 year plan where it is forgiven for public service since she is a teacher.

I think what you are referencing t=is the guru programs that are out there and mentor programs?

Here's how the process works as I understand it:1) You list your property2) Tenant expresses interest     a) you do your background check - if approved:3) Tenant gives you their S-8 RTA form     a) You fill out your portion and return it to S-84) They determine if your rent is within their market guidelines     a) If it is not, then they say "hey,  your rent is too high for our program, we'll only allow $635/mo, not $650" (as an example)     b) It's up to you at that time to determine if you will accept the lower amount or not.

You also want to determine if the buyer wants to do the work themselves and if so, will the particular loan program allow it or does the loan program require a general contractor, licensed, bonded and insured to perform the work?

It's unfortunate that you were mislead with the taxes but that information is public info that can easily be ascertained.