Why I'm completely shut out of residential properties!

[Ramon Wilson]

I'm looking to invest in residential duplexes, tri's and quads. I left my W2 job a bit ago and can't find any lenders who will lend based on the cash flow of a property (they all lend based on the borrower's income). I can get loans all day long for commercial multi-family properties which is great. But i would prefer not to be completely shut out of attractive financing for 2-4 unit properties. I have found some guys who will do expensive short-term bridge loans (9-10%, 12-24 month term), but i am looking for longer term less expensive financing. Any thoughts or solutions are welcome. Thx.

[David Barnett]

Your rental income is not sufficient to cover all of your expenses and you quit your W-2 job?  I'm confused....