I'm familiarizing myself with SONYMA (state of NY mortgage agency) programs and I know they require that no other properties be owned simultaneously if you plan to utilize a SONYMA loan.

I know in Minnesota there's a 60 day time period for the local government to respond to the property owner in regards to permits.

Not sure if that specific program still exists but it came about due to Covid-19.

They may have programs that use the income from the properties to qualify. 

That is the most common program I know of for 1-4 unit low money down. 

I ran across this cool program by Sears (Sears Home Warrantly) where they will cover up to 21 items at a monthly rate of $70 bucks and a deductible when you file a claim.

There are tons of great loan programs available right now.

I'm dealing with someone who refuses to communicate and if I go over and ask questions accuses me of harassment, so there is no chance of working together to obtain government relief of some kind.

There are programs available for fix and flips or fix to rent properties where they construct the loan with funds to rehab the property all into one.

The best rates come mainly from the company they work for and their associated programs/products.