Can't Get Any financing

[Cody Bradley]

Hey Everyone, I currently have a duplex which I owner occupy half, I've had it for about a year and it covers the payment and about $50 extra. I have a SFH that I bought with a 401k loan so technically there is no lien on the property, it brings in $500 a month gross rent.. not much cashflow but its paying for itself and I Believe it has a decent amount of equity in it. I have another SFH that I bought on land contract with 5k down. my payment is 500 a month on it and it rents for 600. So again, not much cashflow but it has equity and its in my name. I have been at my job for over 7 years and I make about 100k a year. I've paid off all my debt except my houses. I'm still being told my scores are 583, 611, 661. No lender I've talked to will touch me for an investment property. I have equity, rental experience, money in savings, I'm also a realtor and I make good money from my full time job. I just dont get it. What am I doing wrong? I have plenty of credit history from paying off loans and I have 3 credit cards I'm keeping a $25 balance monthly to build things up. My credit was rough a few years ago but I've paid off everything that was hurting me. Trying to figure out what else I can do. I have had to pass on several deals because I can't get financing and owner finance just wasn't an option. I have on in mind right now They have already agreed to sell me for 65k. I have 25% down but cant get a loan.. Any ideas?