A few years ago I was in an offer and compromise, but I was kicked out the program due to me not getting a payment in after having my payment sent back to me for not having the correct name on the money order.The last few months I've been working with a advisor on building my credit at the same time establishing my business name to build business credit.

The lender also told me that I would not qualify for a first time home buyer program for myself if I move to Atlanta next year.

remember that every real estate plan works great on paper, real life doesn't play as nice. this program SOUNDS great but there are a lot of things that aren't going to pan out to these optimistic expectations.

The lender also told me that I would not qualify for a first time home buyer program for myself if I move to Atlanta next year.

I will probably use my membership to post them on the marketplace here today.

Will consider asset-based loan programs.

As @Chris Mason mentioned, there are some loan programs that will allow a 12 month average based off your tax returns.

“Today’s agreement reaffirms HUD’s commitment to ensuring that housing providers meet their obligation to treat all applicants the same.”The case came to HUD’s attention when Inland Fair Housing and Mediation Board (IFHMB), a HUD Fair Housing Initiatives Program agency, filed a complaint based on results from their fair housing tests.

That being said there are a number of programs available that your agent should be able to price. 

Part 1 of 5: What is a Deductible Buy-Down ProgramDeductible Buy-Down programs are insurance policies a business/real estate investor can implement in their protection plan to lower the amount of deductible they have to pay when there is a claim made.These are policies which are in addition to the normal coverage plan (property, liability, auto, umbrella, cyber, etc.)Part 2 of 5: How Buy-Down Programs WorkThey are one of many ways a person/business can implement alternative insurance protection.Buy-Downs are added to protection plans to lower out of pocket expenses for the insured at the time of loss (a claim)Example of how a Buy-Down program works:You have a commercial property portfolio.Its insurance policy has a deductible and a premium.