It's always good to shop around for rates and program options

So whatever market you settle in I'd ask around the local banks and see what kind of programs they may have, and many of them can be up to 4 units.

You don’t need an SSN to get a driver’s license, register for school, get private health insurance, or apply for school lunch programs or subsidized housing."

Obviously all different types of programs.  6.375% sounded good but a shame they will not do log. 

After more research into the MA Oxford house program, found out that MA doesn't have the Oxford program integrated into the State.

However, the lender I am working with is part of the Maryland mortgage program that give you the 25K silent loan that needs to be payed back if you sell or refinance.

Voucher programs are arduous and not for the faint of heart.

This must be communicated up front because there are some lenders who have overlays.You can also buy the new primary after you take the cash out and use a DSCR loan program to buy another investment if you are worried about DTI as well.

Also you may know me for my educational events and mentoring programs and as I  have mentored some of the most successful apartment syndicators out there... 

Research down payment assistance programs, partner with others, and consider house hacking.