@Danielle Scott I have heard of down payment assistance programs but what not you're describing.

Donate to an internship program that dosnt take color into account only financial standing.

Not sure what state you live in, but some states offer very good assistance programs for first time home buyer. $20k it’s enough cash to get you going.

In my experience those programs are more comparable with the coaches on "the biggest loser" than being a purchased magic pill that suddenly makes all the changes, so either way it's gotta be you who does it, only question is if on your own or with an expensive coach chasing behind cracking a whip on ya to keep you moving forward at it. 

I soon found out that many of those off the wall get rich in real estate programs ---- really did not work as promoted, so I had to take more, more to find the key to wealth in real estate!

If you take your units out of their program, more will fill the void for the "guaranteed" rent....except there are a hundred situations where it's not guaranteed like you found out. 

See the Instructions for Schedule E (Form 1040 or 1040-SR), Supplemental Income and Loss, for information about making this choice.If you qualified as a real estate professional for 2019, report income or losses from rental real estate activities in which you materially participated as nonpassive income or losses, and complete line 43 of Schedule E (Form 1040 or 1040-SR).

@Shaquille Alexander Might want to see if the ADPI lending team offer such a program.

For the lender, one has given me information on mortgage credit certificate programs, down payment assistance programs, and another called seth goldstar.

About 40 of those followed the instruction given to them to fill out a pre-screener and I would say 90% of them were qualified based on that.