Hi Jose, simply put, no.

Quote from @Rigel Cagbabanua: @Jalen Scott I might not get approved with a multi family home for now however I’m definitely getting one in the future when my finances are in check remember 640+ FICO FHA.  1-4 units allows you to put as little as 3.5% down.

We put out a lot of deals in Hampton Roads but I'm not as familiar with Hopewell. 

the way section 8 works is different in every county across the US and I have been diving into the matter myself for an 8 unit I am considering putting into section 8 in St petersburg Florida.. but from my understanding you would ask whatever rent you are hoping to recieve and the tenant will tell you what their TTP or total tenant payment is and the county is responsible for covering the remainder of the lease as long as it is beneath their FMR fair market rent.

Most employees want safety and security, so, I put most of my staff on salary with unlimited time away.

Ask for $5k in closing help, just to help with the extra $20k you have to put down. 

If your market supports medium term rental demand and you're having issues getting booked, put yourself in a potential guests shoes when reviewing your listing. 

I started off by looking for a deal and then putting the pieces in place.

I like to use a rents deposit box that tenants can use to put their payment in. 

But this is safer than putting your family's personal residence at risk.