Looking for creative financing strategies with short credit history

[Jesse Brooks]

Hey everybody! I'm a new real estate agent in the Portland, Maine area. I'm full time as a real estate agent and also work 1099 as a carpentry apprentice on the side. I'm looking to buy my first property as a house hack ideally a 3 or 4 unit, and I have what could be a 3-5% down payment saved right now. I have a good credit score, but I'm concerned that given I'm going to have very low provable income for the next 2-3 years and not be able to secure a loan especially with a low down payment. I'm aware of seller financing as a possible option and will be on the lookout, but it certainly dramatically lowers my deal pool in an already incredibly competitive market. I'm wondering what other types of creative financing or loan products might be available for my situation. I'm ideally looking to avoid a partner, although I know that's probably one of the top options.