But they live in CA, so it's hard for them to get either, they are limited and expensive. 

These loans are also not limited to a maximum number of properties and sometimes the loan to vlaues are higher on 2-4 unit properties.  

There's not a limit on the number of times you can use the Veteran's loan program because it's a lifetime benefit.

Its just like my bank loans I only pay on drawn funds and in the rare instances we are at our limit with our banks and I take on a HML for construction I make sure its as stated.Also cant emphasize enough what was said above about fake lenders with come on rates that will simply steal your money.

Hard money or private lenders or just plain old cash or dogecoin will get you the rest : )   If you are buying with cash there is no limit. 

HUD eliminated it back in September 2015 and replaced it with the Limited 203k.

Fannie and Freddie aren't purchasing non owner, well they said they want their portfolios to only be 7% non owner and right now they are around 19%- therefore some lenders limit what they want to hold.

Cash out refi limited to 75% of ARV.

Some limited support on a one-off basis would be helpful as well. 

As it is set up now, my tenants are allowed to have overnight guests but limited to only a few days.