Hello @Luke Ache FHA, Home Ready, Home Possible do allow LTV to go above 100%, there programs allow we call it "secondary financing", which simply means you are allowed to use down payment assistance programs for down payment and/or closings costs (DPA); Each DPA is very unique.

This must be some type of unique financing since it sounds like your CLTV is 95%. 

Your decor and furniture package make all the difference as well since there's so many 3BR units.

So if your home is equal to others in the area but includes this unique amenity, buyers will pick yours over the others and pay a premium.

Your suggestions could work, but what jumped to mind for me is that there are a lot of organizations that could partner with you for boots on the ground knowledge.But the answer really depends on what you feel your unique ability is.

Minneapolis is a unique opportunity.

We put in new floors, and painted, and decorated the home.

We are leaning on a melding of camping off grid and glamping, along with a unique experience with the 25 acres of woods with trails.

I found many areas have very unique price charts.

Does anyone in the Houston area know of an investor(s) that have a unique niche/client population in that they mainly deal with leasing their properties to individuals with a criminal backgrounds?