It's a specialty mortgage program for first-time homebuyers which allows for down payments of 3-5% and features reduced PMI.

Any suggestions on a free or low cost program/app to collect online rent payments from a 9 unit commercial building?

Last summer 2019 I sold my business with the intention of using the proceeds as a downpayment to buy a much larger cashflowing business, utilizing the SBA 7a program. 

For rentals, it doesn't seem to pay to upgrade kitchens and baths if the existing ones are functional.  

These programs are meant to help people get started in life, not meant for investors.

I would recommend getting into a coaching program or find  experienced investor that will allow you to work under them. 

Perhaps there is a play in which you can function as a service provider (NOT a property manager) and pass the management activities through a property manager that you know/like/trust. 

You can also look into DPA programs for buying your first home to than transition it into a rental or 2-4 unit living and renting same property. 

Schlage Encode door locks allowing us to program door codes remotely. using check in and check out dates  Also use Gecko In Touch2 wifi app to control hot tub. 

Sacramento landlords, I just saw this:Emergency rental assistance program in SacramentoIf you have low-income tenants who aren’t paying rent due to COVID, you might encourage them to apply for this.