The program did not automatically do it.  

However, there are a few other low downpayment programs that you could utilize on an investment property.

The combination of the two programs has saved us a rediculous amount of time.  

@Sonny Nguyen - depending on the number of units, it is 20% - 25% down paymentThe loan programs that offer less than 20% down are for owner occupied buyers who certify that they will live there for a year

What do you think of this program?

Anyhow, in the loan program I have used I can borrow up to 100% of the acquiring price including transaction costs, but none of the fix up expenses so long as my loan amount is no more than 70% of the after fixed appraisal.

My primary residence is a co-owned, owner occupied two family.The good thing is in my previous W2 life I was a program manager and had to manage lots of moving parts. 

Originally posted by @Jim Miller:I joined to try to learn how to buy and flip houses to get capital for  a homeless shelterThere's also a program for providing housing for homeless veterans, if you're interested.

To reach a lower LTV (Loan To Value) to qualify The buyer will have more money to put down to lower the LTV level if the lender requires another 5% down to meet DTI (Debt To Income) ratios or may enable the buyer to qualify for more loan programs at a lower LTV level.

No contest, owner occupied will be easier and at higher LTVs, loans are first by type and collateral as to programs, a rental could throw off twice that, it's still a rental. :)