Figure and NYFTY are easy automated HELOC programs with super quick closings (I did one for a client that funded in like 72 hours from loan app). 

With our current administration making sweeping cuts to government programs, what are your thoughts on the section 8 program and HUD in general going forward?

Then there are those that are associated with a type of program, licensed by the state, and require different levels of service for the clients, such as counseling, requiring they attend 12 step programs, parenting classes, etc. 

As I continue learning the ropes, I’d greatly appreciate insights and connections from: Private or hard money lenders open to working with first-time investorsExperienced investors who have successfully completed no- or low-money-down dealsAnyone familiar with the Orlando rental market or local down payment assistance programs  I’m highly motivated, proactive, and currently scouting properties across the greater Orlando area.

Six weeks into their program, I earned just over $50K. 

For homes and apartments acquired on or after January 1, 2023, the requirements and credit amounts are as follows:Multifamily Homes: $500 for units certified under the eligible ENERGY STAR Multifamily New Construction (MFNC) program requirements.

Also look into down payment assistance programs.

Quote from @Marc Walowitz: Hi Shirley, we do have a couple of gap funding/2nd programs available.

A good lender will take their time to explain loans, programs, and walk you through scenarios.

(HACW being "Housing Authority County Wake"; and HAP being "Housing Assistance Program").