Substantial Capital,Part time job, No financing options

[Fitz Johnson]

Hi,

I am a 21 year old college student currently employed with the army national guard. I will buy an investment property it is just a matter of how. I have built up a large amount of capital but again I am only employed part time. I will commission into the United States Army as a 2nd LT next may bringing in a full time salary. I have been studying for about a year now learning the in an outs an continue to seek more advice. My main problem is that I do not bring in a full time salary. I received a private loan for my first property from a family member that is working out well right now. Is, interested in doing my 2nd one on my own. I have the capital for a FHA down payment a long with 11 months of reserve just in case the property sits(which it won't). I have a great real estate agent who I trust and cares about my individual investment not his commission. Each bank questions my debt to income ration stating they do not feel comfortable with what I make yearly. I bring in close to 1300 dollars a month and can get another job if that's what it takes. I have tried local banks but no luck. Please let me know what my next steps should be to achieve my goal for property number 2. Looking forward to the wealth of knowledge coming my way! Thank you!