If you don't have the 3%, the FHA program allows it to be gifted by a relative.

Yes we definitely work with a lot of investors on that, most of the times you'd probably want to use a community program because otherwise you run into points/fees limits on conventional loans. 

I just went through this for one of my properties where a new program was started.  

If the government is really concerned about housing affordability there are plenty of alternatives and assistance programs available, from first-time buyers to FHA to HUD and that's not even counting state programs. 4.

Quote from @Allan Skibiel: Do you know any names of programs or insurance companies that will write a policy like this?

I’m now looking to buy another property.I already have an agent I like who’s sending me possible deals - but as you know, agents still have a motivation to get something under contract.I’m really looking for someone who’s a bit more experienced and open to lending their expertise - someone I can bounce thoughts and ideas off when analyzing deals, evaluating properties, and just getting general guidance.Not looking for a paid mentorship or program - just some honest, unbiased insight from someone who’s been there.

Also, many investors go with a 30 year fixed DSCR option, not a 5-7 year balloon payment if we are discussing 1-4 unit or 5-8 unit DSCR programs.

What other software programs have you used for a similar analysis? 

Also, I have very little money to non, not great income and considering going FHA, etc with applying to local down payment assistance programs.

I don't think so, nothing against him, there's just too many programs out there.