@Andrew Wong As far as I know, the bank will require it if they find you are in the flood zone during their underwriting process.Otherwise you can check http://www.fema.gov/national-flood-insurance-program-flood-hazard-mappingThe government's mapping shows if your parcel lands in a floodplain.

Are there any lenders who have a credit assistance program or 0% down payment (non military) program we can use.

Fannie Mae has a small multifamily mortgage program that goes to 75% LTV.

I'm also still in school and have ~$10,000 in deferred subsidized student loans, though my new job offers a program that will now begin to pay for my education costs moving forward.  

Any suggestions on programs here in Florida that can help us.

Be admitted to an Ivy League Masters program. 5.

Under a pilot immigration program first enacted in 1992 and regularly reauthorized since, certain EB-5 visas also are set aside for investors in Regional Centers designated by USCIS based on proposals for promoting economic growth.”So why am I talking about EB5?

Save your money by not buying their programs and talk with some local realtors (good ones) or local investors.

Someone smarter than me can probably program that... 

Warren Buffet has just changed the playing field with the introduction of the CASH program, which allows you to fill vacant lots with potentially zero out of your pocket.