(most hard money loans require 10-15% down depending on the split between purchase price and rehab). but that is both (1) risky and (2) expensive, as you're paying interest every month on 100% of the borrowed funds. private money is fine, you're just bearing a lot of risk and also involving the relationship in your very first deal. 

Many DSCR programs require an investor to have a mortgage history- there are some DSCR mortgage programs that will work with investors who are renting- some refer to them as first time home buyers (FTHBs)- DSCR loans are only for investment properties where the owner isn't living there. 

If the insured driver was sued for more than their car insurance covered, the accident must have involved negligence.

If you do not have (2) full years of 1099 you can still get approved for a mortgage using a Non/QM program like a "1 Year 1099" program or Bank statements.

Best thing is to call the housing authority that manages the voucher program in your city/county.

In order to work Joes program would take at least 5-10k.

It isn't having paid off properties that offers security, there are still taxes, insurance, maintenance and management involved. 

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If you own 25%+ of the business paying your w2, youre still self-employed.There are bank statement/1099 loan program as well, which is what you have been offered.

It's best to approach 2-3 lenders to compare their rates, terms, and loan programs.