USDA and VA loans are both 0% down loans, FHA is 3.5% down and conventional can start at 3%-20% (lots of programs inside those types, like the homestyle loan etc)  Also if this is an investment home, you could negotiate with the seller to finance the note or take it 'subject to' with little to zero down also. 

What have you found as the most useful software/programs in real estate development analysis? 

There are many, many variables at work, and some have nothing to do with the tenants, program administrators or properties.

Here is a link to the program: https://www.denverwater.org/your-water/water-quality/lead/lead-service-line-replacement-program

Non-QM (investor loans which won't be guaranteed by one of the government loan programs) are nearly non-existent for a new investor.

I contacted my mortgage broker and most lending programs have been put on pause and those that are still going are requiring 70% LTV to protect themselves.

There are conventional loan programs out there right now that would allow you to capitalize on a low down payment.

Just the extra earned from these two programs is 1.5x more than the average middle-income earner would normally earn.

IN RE RESPONSE TO THE COVID-19 PANDEMIC—EVICTION FILINGS, 2020 Ark. 166 (April 28, 2020).Covered dwellings  are rental units in properties: (1) that participate in federal assistance programs, (2) are subject to a “federally backed mortgage loan,” or (3) are subject to a “federally backed multifamily mortgage loan.  

You would be able to use your FHA again in the next state also saying you can use the 3.5% loan program twice.