If you wish to stick to the low down payment traditional financing programs, it'll require owner occupancy. 

I've been in Chicago for the past few years doing programming and digital publishing.

I can do the math in my head about as fast, if not faster than writing the Excel program. 

So IF you haven't seen the other side prior to the home inspector and you see that you don't like it after the inspection you are still legally allowed to pull out of the deal and get all of your money back (except what you paid the inspector).Also - be sure to ask your Loan Officer & Agent about Oklahoma First Timer Home Buyer Program.

There are programs where you only need 5% equity to refinance into a conventional loan.

They have good training programs, good company culture, good orientation to help you grow beyond being just an agent, and when you start completing a lot of sales, they are a smart financial choice.

I can't speak to the whole process but this will likely end up in the "home path" program.

Ikea is running a 20% cash back program right now for purchases over $3,000.

I personally specialize in tiny loans.. but I have a different program.. and I do a bunch of them to make up for small revenue per file IE 5k per file  we like to close 20 to 30 a month.

However, you may be eligible for a Down payment Assistance Program (DAP).