I did not fully commit to their mentoring program because they pitched too hard and because I lacked sufficient capital to purchase the only program I felt was worth something to a person who knew absolutely nothing about real estate: $22,000.

One is a CA tax proposition, the other is a federally funded housing program administered by local housing authorities.

Speak to the folks who run the culinary arts programs in your area.

Rockwell has a good program.

The school you choose and the program you get into makes all the difference.  

HOA investment programs give the investor tremendous leveraging power in purchasing distressed homes.

If that is the case I'd talk to some other lenders.If you don't refi the existing FHA you won't be able to use that again, but that should not keep you from using a conventional program that would allow for a lower DP.  

I believe FHA still offers 203K program funds, however I can't recall if they apply to over 5+ units.

Just beware of the programs that the gurus sell.

In trying to find out whether that particular "mentoring program" is worth the $2-15k they're charging - which they're willing to finance even with bad credit - is worth the money, I stumbled upon biggerpockets.