@Tanner Kenneth Jenkins Most of the time, you will need a job with 2 years of income. School can be counted, but I think that's only if you graduate, and go into the field you were studying in (like if you studied finance and went to work at a bank). The credit score is awesome, and will def help out; along with 0 debt. If a conventional lender won't do the loan for you, and you still want to do a bank loan - you could try a small local bank that would keep the loan in house and not sell it on the secondary mortgage market (that's why it's 'harder' to get a conventional loan - there are a lot of regulations involved). It will be at higher interest rate, and the terms won't be as good overall, but you can always refinance when you have had the 2 years of work history. Have you talked to some realtors in your area? You need to find a good mentor quickly, and I would suggest finding maybe a large real estate team you can work on to learn quickly - you'll pay a higher split to the team lead, but you'll do dozens more transactions than if you are starting out on your own. Good luck!
