Has anyone gotten a manual underwrited loan?

[William Kelly]

I was wondering if anyone has ever done a manual underwriting loan simply because they had no credit?

A little background about me: For the longest time I never believed in credit. I have never had a credit card. I have never been in debt. I have never owed anybody a single penny. When I bought my car it was full cash. Any big purchases was full cash. If I didn't have the money to buy it then I wouldn't purchase it.

Now moving forward: I am 23 years old and have never been in debt a day in my life. So I simply have absolutely no credit. I have about 25k cash saved up to begin investing in real estate. My car and all my belongings are fully paid off. I would say my net worth is about 55k and about 35k of that is liquid the rest tied up in ROTH IRA's/retirement accounts. Now I do need to mention that I am in the military so I am looking into the VA loan.

My plan is to purchase my first investment property within the next 3-6 months once I redeploy back to the states. (I'm currently deployed) But I want to hit the ground running when I get back in a few weeks. I think my biggest obstacle is financing so what do you guys think? Can I get a manual underwriting loan?or VA loan? I reside in the Fayetteville, NC.