creative financing advice?

[Justin Gallagher]

Hello BP! im trying to form a plan to start investing into oos multi family properties in columbus ohio. i have been giving thought as to how i can go about financing my first deal and if i would qualify for any type of loan. i dont have consistent pay, voe, tax info and im starting to build my credit but i have savings in the bank. ive been self employed for about a year and a half doing handyman projects for people around my area has anyone ever been in a situation like this? are there such programs that even exist anymore? or should i cosign with a partner? i would prefer to not have a cosigner but beggars can’t be choosers. if anyone can please just lend some quick advice or share they creative fincancing strategy id really appreciate it. tyia!

[Remington Lyman]

Quote from @Justin Gallagher:

Hello BP! im trying to form a plan to start investing into oos multi family properties in columbus ohio. i have been giving thought as to how i can go about financing my first deal and if i would qualify for any type of loan. i dont have consistent pay, voe, tax info and im starting to build my credit but i have savings in the bank. ive been self employed for about a year and a half doing handyman projects for people around my area has anyone ever been in a situation like this? are there such programs that even exist anymore? or should i cosign with a partner? i would prefer to not have a cosigner but beggars can’t be choosers. if anyone can please just lend some quick advice or share they creative fincancing strategy id really appreciate it. tyia!

You should chat with a mortgage broker. There are some DSCR programs designed for people like yourself