@Michael J RobinsonIt can be an excellent program for the right buyer, but there are a few drawbacks:As previously said, it takes considerably longer to go through the program than just working with a regular loan officerWorking through NACA can be frustrating. 

Another example may be, they claim they paid security deposit when they haven't, etc.)Next, you want to introduce yourself to the tenants and let them know you are the new landlord. 

4) Most colleges do not simply allow a resident to bring an animal into their residence and then when it's found later, allow them to claim ESA! 

You need to flip regularly, using the seed money over and over, and spending the profits (only) on your cash flow properties.As much as it might seem crazy, I would sell your CF properties for the profit and keep flipping until you can buy rentals with your profits. 

I'm skeptical of a bank that claims it can hold the risk of a loan with no government guarantee, and at far better terms.

I do not think I would have purchased my first rental, let alone expanded to five, if it wasn't for expanding my knowledge regularly utilizing bigger pockets. 

Arguments for a 30 year loan: (1) You lock in your fixed payment in "2018 dollars" for the next three decades, when that $700 will be worth a lot less (Jason Hartman calls it "inflation-induced debt destruction")(2)  Since your payments are lower, you have increased cash flow that can be used to deploy capital into new projects(3)  If unexpected expenses arise (personal or business), you have an immediate source of regular cash flowArguments for a 15 year loan:(1) increased equity over a shorter time horizon(2) cheaper interest rate(3) owning property "free and clear" still in your prime years and the lifting of psychological burden of debtIt really depends on your personal strategy and where you want to place your risk. 

Some states let you claim the property after x amount of years if you’ve been buying them.Sounds like alot of moving parts but an attorney can clarify your best course of action.

By protection my credit score when everyone else was walking away from their homes and by not claiming bankruptsy ..

Do regular banks and credit unions do 85-90% non-owner occupied loans often?