Hey Nick, yep already said but if you can't qualify based on your wife's income alone then a bank statement program is the most common for business owners when the taxes might not average what they're looking for. 

My program allows them to scale when they need no cash up front to tie up the deals and dont have to make payments and dont even have to pay for insurance ..

I'm sure a much nicer/updated gate with a programable codes that all four neighbors like would go a long way. 

We specialize in DSCR and other Non-QM programs. 

I often wonder why folks fall for the hey pay me 10k up front to join my club I will fund your deals when in fact they just refer to a HML to fund them and we will split profit 50 /50.. my profit splits are no where near that  80/20  70/30  bigger side going to the capital partner I want them to grow and continue I dont want them wishing they never should have spent 10k or more on some program..

Being as transparent as I can with this, there is a huge benefit to the Homelight Program and we have used it before to help people looking to get into a new home. 

If the answers are "yes" and "no" to those questions, respectively I'd highly suggest you look into Detroit's down payment assistance program.

Nobody can safely and legitimately sell tradelines better and quicker than these guys, nobody pays more to do it, and nobody has a 100% commission referral program for each card uploaded by any/all new sellers you refer - without limit.I'm extremely experienced in this and although I've been through a couple growing pains with GFS they've ironed out nearly every issue and went fully transparent with their payment schedule and their system to prove that they will not manipulate pricing based on individual customers.

What are some good options for mentoring programs.?

The primary in most cases will need to be an upgrade from your current residence, depending on the loan program.