I was able to become financially independent in 2 years with two properties.

They literally went through each operating agreement and prepared an email listing out each member of each LLC and clarifying they each had to guarantee the loan despite the fact none of those entities were even being used for the purchase (which was previously explained to Dominion Financial). 

(Due to some financial issues with him in the past, I'm not willing to cosign for him)  Would a rental agreement with the roommates suffice? 

Are there any institutions or other loan products that offer 3.5% down (potentially can go up to 10% depending on the total construction costs) AND takes into account the rental income?

I’d love to learn from all of you, connect with like-minded people, and eventually achieve financial freedom together! 

My end game is to show you a path to financial independence, whether that be at 45 yrs old or 70 yr old.  

You are an unlicensed financial advisor.  

Is one of these institutions superior for any reason? 

I am a newbie in this realm and looking forward to learning all I can in this endeavor of becoming financially independent.

@Greg StrunakA good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.