It doesn't make sense to me as FHA is a federal program

I will add that I've never looked at a small project like a 4-Plex to have built as new construction because in my targeted areas of investment which are Washington, DC, Orange County, and Los Angeles, California, it's always cheaper to buy smaller properties in these areas unless you're going to build larger apartment buildings, and get the government subsidy's to mitigate cost.   

Hey @Justin Coulson, there is a program called Podio that is a great tool.

Fellow Illinois landlords, the following is a link to a rental payment assistance program that just opened for housing providers/landlords.

Since you're a 1st time home buyer, have you checked into the first time home buyer down payment assistance programs that TN and AL offer?

The way you construct the building, how high it is elevated, what is in the lower levels, does it have flood mitigations like breakaway panels, etc. all will impact the eventual rate for the Flood Insurance in the National Flood Insurance Program (NFIP).  

There are programs up to 80%, 30 year fixed loans for ITIN and NPRA borrowers, but you're going to run higher rates. 

@Mat K. the federal government funded over $100 billion towards rent relief for landlords, which is state administered.

Since duplexes are governed by singlefamily code and not multi-family, there are a different set ofstandards.

All units have been rented to low-income tenants receiving assistance through voucher programs, and I plan to stick with low-income tenants to help alleviate the low-income housing stock in Phoenix.