First getting into the market

[Preston Stull]

Good Afternoon, 

Me and some guys I know have formed an LLC (4 members all between 24-25 years old and graduated from college and are working) and are wanting to buy and hold (rent out) multi-family (plexs's) and single family homes. We have found several homes that are ready for rent but are under 100k and we are having trouble finding ways to break into the market as our local credit union wants 2-3 years of trends and LLC income before doing a loan like that with us. Any advice or recommendations for newcomers into real estate? We have looked into DSCR loans but the 20-25% down payments are a little high for our first property when they're wanting homes 150k+. Not sure if we should look into just approaching the homeowners themselves instead of going through a bank and relator or if we just need to save up cash to be able to do a DSCR loan or if we just need to put the loan in one of our names personally. Any advice is much appreciated.