WE DO NOT mark-up eviction lawyers (in fact we only go 2x a year for 200+ units and mostly for non-payment - life happens)WE DO NOT put in deadbeats or troubled tenants we will need to evict (we have to deal with them - really, life is too short)WE DO NOT advise our clients to buy in crappy neighborhoods or buy crappy buildings because they are so cheapWE DO NOT put our clients in harm's way legally because we know the legal landlord/tenant laws and what to avoidWE DO NOT take on Landlords that do not see the value we add and want to nickel and dime good quality servicesYou must have had a run in with a REALLY BAD manager to have such a skewed view of the industry.WE DO screen for 3.75% rent/debt ratios, evictions, crimes, felonies, level 3's and ALWAYS cross-check in our networkWE DO screen out landlords too because let's face it, there are some bad ones, and we don't need their business eitherWE DO market the snot out of our rentals on over 30+ apartment sitesWE DO market with pictures, videos, BLOGs, website, referral programs, word of mouth and our landlord referral networkWE DO know title-real estate-eviction lawyers, contractors, REALTORS, and have a wide network of professionals on callWE DO get discounted rates and preference on service because of the volume of work we provide our contractorWE DO have a 100% guarantee on placed tenants, if they default within 12-months, the next tenant placement is free on usWE DO frequently see the property and build relationships with the residents AND neighbors to be boots on the streetWE DO know which landlords are selling before the hit the market and give pocket listings to keep the management contractIf this ain't worth $85 bucks, let's keep going.

i went through this 1st time homebuyer program with RI Housing & prime lender in RI. 

They have an FHA program so you can get in low on your first purchase.

Due to covid a lot of lower credit score requirement lenders have pulled back from the fha 203k loan programs.

Many states even have down-payment assistance programs for first-time homeowners.What are your goals here?

Humanity is on the brink of greatness, and all we need to do is shift our mindset for what we use all of our hard work to accomplish.If this is inappropriate for this forum, I apologize for not conveying this in a way that matters to you, but I argue that the underlying ideas can be converted into anything you put your mind to.Sorry for formatting errors from pasting from google drive.Find houses that are falling behind on repair and maintenance.Bike and walk dogs through the current neighborhood.Recently widowed homeowners are a good candidate.Find a small amount of time to donate to helping neighbors do easy projects.Use this time as an opportunity to learn what they need, what support they have, long term goals, etc.Create community events to take care of the properties that are farthest behind.Create an actual govt program to be more productive with govt owned properties.Instead of selling the property to an investor, fix the property with the specific intent of providing housing for some form of underserved population.This is the reasoning behind structuring as a non-profit.If created correctly might be a great way to scale by using other “flippers” as partners.

Water conservation programs is another way, or sub mitering.Marketing is another that some operators over spend, and some under spend. 

I am using a home buying assistance program that requires me to owner occupy my purchase for below market rates (around 3% interest with $0 down).

Use this link to find out what HUD fair market value rent is for your county's housing authority https://www.huduser.gov/portal/datasets/fmr.html.Also, don't lower your standards because based on what I have uncovered in my research, its a huge reason why many have a disfavorable view of the section 8 program.

UK has one of the best engineering programs in the nation and  that is what you should be focusing all your energy on my friend.