@Frank Patalano For me it was horrible credit, medical debt, and bills.

There are several unique strategies  to get in with no or low money down.

Credit unions are not in the mortgage business - so on unique situations including househacks you may be more likely to come across issues during the process.Either way, once you have a property under contract, speaking with various lenders will give you the best idea. 

I'm building a new MF house, targeting travel medics. 

Homes don’t appreciate as quickly, but the military presence here is huge and creates rather unique opportunities.

My approach is somewhat unique since I'm a builder; I build my units from the ground up and then decide whether to use them for LTRs, STRs, or sell them outright.

We currently have 3 unique structures and are building more on our 11 acres of land.

It's far from unique to the scenario I've described.

Anyways, that's my situation - its unique at least among people I socialize/work with (middle class/upper middle class Americans or well-off immigrants)

There are a couple air bnbs that seem to do okay but there is nothing unique about them.What I'm asking for is help/thoughts/ideas with this:1.