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This product is backed by non-government sponsored lenders and thus there are generally less restrictions, guidelines, and fees associated with these programs. Additionally these loans will have higher income and credit score requirements.
For the purchase, refinancei, or renovation of any primary, secondary (lake/vacation home), or investment/rental property. This can be used for single family homes, duplexes, four-plexes, and double-wide manufactured homes.
There is a misconception that it takes a 20% downpayment but depending on income and credit score restrictions the downpayment options can get as low as 3%-5% down.