Investment loan with no income verification

[William Arnold]

Hello, I am new to the site. I am looking to purchase my first investment property.

A little background. I started an Insurance Agency in January and became a Realtor in March, so conventional funding is out. I have taken on quite a bit of debt so my credit score is around 630-640ish. I have funds to pay some of it off if needed to raise my score above 660. I also have about $40k in cash that I can put towards a purchase. I was hoping for 85% LTV or less.

I was researching DSCR loans, hard money, Fannie Mae, Freddie Mac, and SBA who all seem to allow some forms of investment property loans. However, I can't seem to find guidelines on what program would be best for my situation.

I am open to single-family, duplex, or condos for my investment. I would prefer Airbnb but an annual rental is fine. Is there any hope that I can get a loan?