Renometer and BP insights are great tools but if your looking for something quick and dirty, and free, I Ike to use the HUD Fair market rent numbers.This is published data by HUD to help section 8 and other voucher programs determine the maximum allowable rent for given markets across the country by bedroom count (1-4 beds).

Triplexes and Quads have some added qualifiers by FHA that makes it harder to find ones that qualify in some areas.There are down payment programs in many cities for lower income home buyers to assist with the down payment.

Is there a certification that i should look for?

@Christopher P Clairmont I will DM you the program many of our clients use. 

Big banks, such as Chase, don't generally have the flexibility on loan programs and not always the best rates/fees. 

There are several loan programs/options where the requirements will vary.

We discuss the ERAP program, and I tell her I am more than willing to work something out, but I found out she lied about applying for the program earlier(luckily I called to confirm and they told me she never applied) and now she just applied to the program for real.

You will find an array of different lending programs.

@Stuart Hoffman I've found that many lenders selling to the secondary market offer pretty similar programs.

Jesse,Depending on the situation a DSCR program may work, Bank statement loan, or Alt Income each one has a higher back end DTI acceptability.