Most list the guru as an “advisor” on their website, and a simple Google search of the guru’s name plus “advisor” or “advisory board” turns up a trail of nearly identical sites.I’ve scrutinized these programs extensively in these forums.

Has no more than 2 or 3 posts, and each is a “testament” to the quality, success, honesty, etc. of the subject guru or his program.

Offering $190K–$200K with a fast close could be a smart strategy if the seller is motivated, but it’s always important to make sure the numbers still provide a solid return—whether you flip or hold as a rental.If your focus leans toward holding this as a rental, our DSCR (Debt Service Coverage Ratio) Rental Loan program could be a great fit.

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

Depending on your answers, there are several loan programs a hard money lender can offer—including DSCR loans, fix-and-flip loans, and bridge financing—that might be a better fit than conventional or IRA/401(k) funding.Feel free to DM me and we can discuss which program makes the most sense for your situation.

Of course sometimes Citizens (or NCJUA) is the best option, but I personally want to treat those programs as they were designed, as the insurer of last resort. 

We use AffordableHousing.com selectively, and I’d frame it less as a replacement for Zillow/Redfin and more as a compliance and targeting tool.What it does well• It is one of the first places Section 8 and voucher holders are trained to check• Many PHAs directly reference or scrape from it• It reduces back-and-forth with housing authorities when listings are already visible thereIf you manage or market voucher-friendly inventory, it helps keep your pipeline full with applicants who are already program-aware.Where it falls short• Lead quality is very different than Zillow type traffic• Expect higher volume, lower readiness, and more incomplete applications• The manual entry and lack of clean PM software integrations is the biggest pain point• For conventional rentals, ROI is usually weakHow we’ve made it workable• Only post units that accept vouchers• Use templates and bulk workflows internally so staff isn’t recreating listings from scratch• Treat it as a filtering mechanism, not a conversion engine• Push serious applicants back into your PM software immediatelyBottom lineIf 60 percent of your leads are already coming from Zillow/Redfin and converting cleanly, I wouldn’t expect AffordableHousing.com to outperform that.But if you manage a meaningful amount of affordable or voucher inventory in a diverse market like Tucson, it can be worth it only if you systemize the data entry and set expectations internally around lead quality.Used intentionally, it fills a specific lane.

As a side note, programs like AppFolio make this very easy by integrating credit and background screening into the application process within the portal. 

This criteria is for 1-4 and 5-8 unit programs.