None the less these are government insured loans where the buyers pay a ridiculous amounts of UFMIP up front Mortgage insurance premiums and MIP monthly insurance premiums. 

@Samantha PhamYou are correct about rough areas, lack of high paying jobs with the biggest employers are government and universities.

They work for the government?

I find it hard to believe that the government is going to charge me $18K a year just for owning my property or give me tax breaks that will supplement that.  

Covenants are always more restrictive than a larger governing body's regulations.

We typically do conventional loans (Fannie/Freddie) and all the government loans

Does anyone know of any government grants that could help with this?

I just had to fill out an additional form that said this house did not receive any government assistance such as section 8.

I had to navigate a closed down government, a world pandemic, children home from schools, wife home from work, and the waiting of this....and waiting to get final attorney bills...it was brutal. 

With all the s***-birds in government, having a good tenant vs high rent bad tenant should be obvious.