Both are great programs and your overall credit profile would be a large driving factor as to the better fitting program. 

I am single, have $5k left on my car loan and $5k credit card debt.

Because I don't have a mortgage and not amazing credit I don't look great for a traditional mortgage through a bank. 

Most will request that all assets be in an LLC; however, all ten loans would come off your credit and become a business purpose loan.

I know for sure that you can give Home Depot cashiers credit card numbers over the phone to key-in for a purchase.

Companies put lots of money into researching where to build, then the info often finds its way to the internet for free. 

I lack the funds and my credit isn't superb, but climbing back up. 

I've obviously seen all kinds of wholesaling contracts around the internet (Purchase & Sale, Assignment, etc.) as well as several JV agreements, but I have no idea what kind of agreement it would take to put that kind of arrangement (someone inspects the property for X% of the profit of the potential deal) into writing.

My advice to my daughter and son-in-law as they did not want multi-family, either, and wanted to buy a home to live in,  not just investment property, was to buy something that needs some work, plan to fix it up within the 2-year tax-credit time period, sell and keep profits tax-free, then buy another one that needs work and repeat until children need a solid school district.   

Thanks for the reply Brian, 5% is what the loan specialist I am working  with sent me today as the ball park rate based on my credit score.