@Neil Quinn You should be able to get conventional loan programs that only require 3-5% down in most major MSAs.

Here is what we're looking for: Any programs/courses (either in Georgia or nationally) that help people become more financially literate.Recommendations for banks or other companies with low fees that might be beneficial.

3) The few banks I spoke to informally appear to be uninterested in writing a loan unless the tenants in the property have long leases that practically exceeded the loan term.

Here are some recommendations for you:Find and connect with other BP members that are in your area: http://www.biggerpockets.com/meetSet up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/alertsRead Beginner’s Guide: http://www.biggerpockets.com/real-estate-investingCheck out BP Podcasts: http://www.biggerpockets.com/renewsblog/category/podcast/If you wish to tag someone in the conversation on the forum, type @ followed by their name and then select the name of that person which should appear below the comments box.

I just heard Kathy Fetke's podcast discussing the new Fannie Mae loan program for Workforce Housing which seems to be a loan that is subordinate to a primary loan and originated if certain criteria are met and maintain, mainly keeping rents below area average. 

Per my research there is a 22K tax lien on the property that is from 2013/2014 which  which is stated as 1040, which appears to be failure to pay income taxes.

Some organization contacted me and see if I would rent it to a homeless person under different programs such as section 8. 

I just got off the phone with the lawyer as I didn't need to appear for the return date.

I think feigning shock at the headline is one thing, but just reading the first line to see the length that this group appears to have gone to in making vacant units look rented is shocking. 

She took her program down, was $49 and explained what "wholesaling" was better than other for me as a fresh newbie.