You can use standard loan types like FHA (3.5% down) or VA/USDA (0% down) for qualifying buyers, though some properties may require specialized renovation loans like the FHA 203(k) if they need work.

Foreclosures from USDA-backed loans in rural areas. VA Home Resales: Properties from defaulted VA loans. Key Steps to Purchase

Most government agencies require a registered broker or agent to submit offers on your behalf.