Sadly the good programs are going to cost that much or more. 

Through doing a little research I found TDs "Right Step" program that only requires 5% down but cannot find any more information on the program itself.

We also do a different 100% financing program out of California.

Most are member of FIABCI (fiabci.org), the international real estate federation, or belong to national associations that are represented by ICREA and hold a TRC certification (worldproperties.com has all RE agents, check for TRC for international).

Just because a program costs $25K doesn't mean it's worth $25.

I know that both programs are run through the same organization, just not sure exactly how that would work.My second question is, if I began by living in the home using vouchers, would I be able to rent the home out at a later time? 

The certification classes I don't believe you need to take to qualify to take the test but they would obviously help.

I have actually found that the sub2 deals I was planning on putting in our rent to own program had such great terms we decided to keep them as rentals.Did he ever give you the amount on his mortgage?

Some of these events they might try to sell you into a mentoring program or try to sell you something else.

I made sure that I had the time to get into the program and then I went all in.