@Carlos Urresti - FHA has an owner occupied loan program that let's you put 3.5% down

I work at Shell Oil as an engineer, and attend the part time business school program at UC Berkeley (Haas).  

I am also currently enrolled in the Commercial Real Estate certificate program through UW to learn more about financing, development, etc. of commercial real estate.Overall, my plan is to acquire long term buy and hold residential and/or commercial properties in core areas or emerging corridors.I am excited to get more involved in the real estate community.

They might be able to educate you on first time home buyers incentives or programs that could help you qualify for a home sooner than you may think.

I would advise anyone to avoid paying tens of thousands for "coaching" programs.

I buy undervalued property and add value through my rehab program.  

Did you have to program that yourself or is that an available application of IFTTT?

The rest of the increases are also due to recent law changes and the attempt to make the flood insurance program self sufficient, thus higher risk areas are paying more.  

I am not aware of any free programs that let you know this information.

You are misreading the FHA owner occupied guidelines if you think it says you can use the FHA loan program to buy a SFR as a primary residence and live there for 12 months and then convert it to a rental.