As someone who has used a VA loan in the past, it worked very well for us.NYS also has many first-time homebuyer programs that you may want to look into as well. 

They pay out promptly as long as the claim is legitimate and they can actually see the tenant's ledger in your software program so they know what is going on. 

@William HarveyFor my flipping business, I prefer to use fewer software programs to streamline things.

That said, I am seeing some programs go under a 1.0 DSCR in very specific cases — usually when you’ve got really strong credit, low leverage in that 65–70% LTV band, and substantial reserves.

They have an excellent training program. 

If you join Pace's gator program, you can match your investor with Pace and he will partner with them and split the deal 50/50 with the investor, and give you (the gator) 50% of what he makes (for the first 10 deals...after that you get less depending on the deal). 

Even if you’re not ready to buy yet, it’s incredibly helpful to know what you qualify for and what loan programs fit your situation.

The neighborhood is in a great area and houses are appreciating along with the market.Any advise anybody is willing to lend related to the best manner in which to contact all the people listed on the research report I have, or related to engaging the 203k program I'm trying to start would be appreciated.

For a first-time buyer looking to pick up a fourplex with 3.5% down, your best fit is usually an FHA loan — it’s one of the only programs that allows low down payments on 2–4 unit properties as long as you plan to live in one of the units.

Then, as you scale, work with a bookkeeper to set up your QuickBooks Online correctly.For my flipping business, I prefer to use fewer software programs to streamline things.