Bank portfolio program just means the bank hold the paper/mortgage and services the loan so they offer lower down payment options.

Looking for the best software option to manage tenant screening, invoicing, accepting payments, etc.  

For a loan with a balloon payment, the investor first chooses the length of amortization.

In addition, they required me to sign additional documents AFTER I enrolled and paid for this course and the requirement to sign these documents were not disclosed prior to enrollment and payment.

And if you did are there banks that would give the loan without a down payment to start the plansorry for the late response. 

Assuming you do buy and generate $100-$200 a month in cash flow, will you still have funds left over after the down payment for emergency costs without having to rely on the $100-$200 that will come in?

DO NOT trust David Hughes! 

When I asked about land trust for anonymity, he told me that CA does not have Land trust like other state.All this is the opposite of all the books and reading I was doing.

At the same time, I am trying to keep some money for another property's down payment. 

I have been following them and doing business with them for over 2 decades and trust them implicitly.