If you click on the company link in @John Warren signature there is a document which is called "financial terms" and it breaks down the differences between 3.5% and 5% programs including fees and loan limits

I currently have 2 section 8 properties with great tenants but the program sucks. 

For investment properties, it appears that my clients are all writing off ALL mortgage interest and ALL property taxes.Primary residence, they are writing off interest on the first $750k and zero on property taxes (they are already at the $10k SALT cap).Our President is a real estate mogul, lo and behold tax reform didn't hurt real estate investors at all.

This type of scam appears so often, there must be a "How to Scam in Real Estate" course at Trump University.Considering  they "only" stole 52 Million out of 1.3 Billion, they were pretty inept as scammers go, No consolation to their victims.What is surprising is how long these scams go on before they collapse.

I have not been able to refinance either since banks tell me they do not provide loan programs under 90k. 

It appears it has already been mentioned, but the Listing Agent owes fiduciary responsibilities to the seller and that includes getting them the best offer possible.

I am currently in the works to use the NACA assistance program to acquire the property.

Property and Loan Details 3 FamilyLocation: New Britain, CTPurchase: $123,000Rehab budget: $55,300Down payment: $18,450 (15%)Loan principal amount: $104,550Total Loan (principal plus rehab): $159,850Appraised as-is value: $125,000 (pre-rehab)Appraised ARV: $255,000Loan Terms: 9.99% for 12 monthsInterest only payments each monthPoints: 3.5FinancingThe hard money lender had a few programs.

They DO offer a program called SONYMA RemodelNY Renovation.

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