Looking for lender 3-4 units NW Indiana? Stated inc./high credit?

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I want to purchase a 3-4 unit building in Whiting IN as my first real estate investment. I graduated college a year ago and do not have a full year of on paper work experience. I now work as a broker and also do leasing which brings in consistent $3-4000 a month with weekly payouts. I also have experience working as an analyst for a multifamily investment firm. Credit is over 750. I live in Chicago but choose Indiana due to cashflow and landlord friendly laws/low taxes. 

For reserves I plan to use 0 apr cards if it needed for example something major like a new roof. I have done this before with a business I had and it worked perfect never paid a penny of interest. I do have like 10k of reserves to show a lender. 

An example of what I am looking to buy is 952 W Pearl St. Whiting IN for $150k. The property was a 2x: 2br 1ba and 1x: 3br 1ba. I ran comps for the area and being conservative the 2brs would go for $700 and the 3br $800. I also have seen some nice buildings for cheaper but this one was ready to go. Could maybe lower my purchase price. Open to anything just want to get this going. 

I plugged these numbers in my Excel Discounted Cash Flow which also shows loan specs. 

At 5%apr with 20% down+10k in minor repairs its a Debt Coverage Ratio of 1.79. Leaving a lot of room for lender safety. I am assuming $10,500 in running costs+$7000 in financing leaving net income of $6100+amortization. 

Another option would be to live in the property for a year or however long is needed to get a conventional lower APR loan and just put a small amount down. My banker said due to being a recent college grad he could get me conventional loan if I found a job that pays salary after just 2 pay checks but that he can't approve me with the 1099 income right now.

I know there are some online lenders that do stated. In NW Indiana I could probably make 6.5 work. What are some good online or local ones and that allow first time landlords? Feel free to private message me. Thanks