What is the impact on my ability to get commercial loans if I quit my full time job?

[Lenna Groudan]

My wife and are working hard to make career transitions into real estate investing.   We are planning to do our first deal(s) before the end of 2015.

I currently have a well paying job with a reasonably high net worth and we have great credit so we expect to be able to get favorable loan terms.

We are primarily looking at buy and hold single family rental properties as well as smaller multi-family/apartment opportunities (2-20 units to start).

We intend to form a corporation to hold our properties and gain tax benefits.

However, we are talking about doing this full time (I would quit my job at some point) and we were unsure what the impact of this decision might be on our ability to get loans.  We know commercial loans look more at the quality of the deal, rather than our personal credit but we have read articles that suggest some banks WILL look at personal income which might be low while we are growing our portfolio.

Any advice would be appreciated.

Lenna