New member getting started

[Colby Gage Cantrell]

Hi, I'm 20 my investment partner is 20. We both have "very good" credit and roughly 25k to invest, we are planning to buy in AR (low cost of living) you can buy an entire house for that, However we plan to buy one on a construction loan fix it up and owner financing it. We need a loan anywhere for 60k to 100k but, Is 2 years of credit good enough to get a 100K loan regardless of how responsible one might be in those 2 years? What are some things we should ask the banker when we meet with one? Or do's and dont's when talking to someone for a loan? or should we even go through a large bank?

P.S. both our families are into construction, remodeling, and owning real estate.