I charged 15% And I spent the money to run a fly buy program with CA investors and sold them all in one weekend at a big event that cost me 50k to put on up front :) so there is more to selling real estate than conformity to norms.  

If you or anyone here can put close to $500 down and give me a certain percentage on a couple of deals you do I could give you access to the whole program. 

Foreclosure should be the last possible step because it will take away you ability to finance any real estate for several years, even up to 7 years for owner occupied programs with good terms. 

A tip: While comparing mortgage brokers, don’t forget to ask them about any incentives or first-time homebuyer programs that may be available in your area.

Consider financing options like FHA loans, conventional loans, Texas State and Local Programs, and HELOC.

If so, perhaps it is programmed to change temperature on a schedule and they don't understand how to change that.

Typically, yes, most programs will require anywhere from 10-25% down.

Also there's a down payment assistance program (still trying to understand) which is how you're able to get the project 100% financed and bring very little capital to start.

It seems like you're promoting a program or something.

You should copy your program and start selling it nationwide, partnering with every investor with some cash.You'll soon be a billionaire!