Looking to buy a 5-10 properties but need to find financing

[Anna Doumkina]

My boyfriend and I are looking to purchase 5-10 properties in the next 12 months that will be then rented to Section 8 tenants. If we find good financing, we can purchase the houses in the next few months. This is in Ohio State.

I do not anticipate the purchase price to be higher than 80,000 USD. However, here is the tricky part. My boyfriend is a foreign national with an ITIN number, US address, and an AMEX in the USA, but he is not a US citizen, so a lot of the times, he is not offered good loan programs. I am a US citizen with a 680 credit score (actually, credit karma shows 680 for one bureau and 710 for another bureau), but I haven't worked in the USA for years, and overall, we are looking to get a DSCR loan. I have one Amex card showing up and a bunch of student loans - do banks take these as trades? Overall, I am trying to find a bank that can still do 85% LTV with this type of credit. Or if there are other nonconventional ways to find financing - please let me know! Since our goal is to scale in real estate and we do have the funds, we would prefer to minimize the deposits and invest into reno where necessary and keep the capital for now for improvements, if they arise. Thank you all in advance!