Thank you,James  I think this is a great idea, but any good test or personality analysis program will cost some money.

My wife recently sent me a link to Bank of America's Home Grant/Down Payment Grant programs offering up to $7.5K in closing costs costs and up to $10k in down payment assistance. 

No two programs are the same.How that gives some insight.Nick Belsky

There are 3.5% down FHA loans, 5% owner occupied conventional and down payment assistance programs you can look into.

We designed our program with @Chris Klingemann your issues in mind. 3 mos seasoning, 75% LTV cash out, LLC ownership, 30yr fixed rate and 30yr term, rates in the 4s (down to 3.75% with a buydown, actually).

If you don't mind me asking, you mentioned a mastermind group, is this the same as a mentorship/coaching program?

And don’t be scared of doing mistakes, they are generally the most valuable training you can get out there.

There will be variations of the terms above based on program and lender however these are the terms set by the Non-QM DSCR 1-4 unit that my company uses."

The program was designed to be in an LLC.

You would have to qualify debt to income wise but if the purpose of the home fit the guide lines rulebook, HUD 4155.1  You could buy your next home using FHA.There are a lot of loopholes when buying and using FHA, VA-Military, USDA, DPA-Programs you just need a seasoned mortgage banker who can walk you through the process ahead of time.