I too was a co-op at tema /tmmna. 

Have you thought about getting a co-signer to help you get the loan?

Still there is a large community of people in your home territory James.A friend was a co-founder so I was a beta tester when it first was being launched.

It would seem to me that if you could not afford the vehicle without a co-signer, buying the property should wait. 

I have also Owner Financed a couple of properties, own some Multi-Family (currently have a deal under contract and looking to close 3-4 more before the end of 2020), and a co-owner in a Tiny Home Park.  

I have a list of eight coaches I am evaluating at the moment with programs that range from $2k-$25k+.My long term goal is to eventually work my way up to being a co-sponsor and sponsor if syndicating.

In most cases, you still need to collect a co-pay and may have to deal with inspections.Screen them like anyone else and use the same standards for all.

I really didn't add value as in money, I added value by solving problems for a co-worker and getting another buy and hold in my portfolio. win, win.

I thought i found a honest one, but they asked for a co investor with with a credit card limit of $6000.00.

If you were to be in the market for a ‘fixer upper’ and getting into the world of REI (thinking ahead to using this as an investment/house hacking down the line) The Good Neighbor Next Door loan is another one that could work for you as a teacher (even if you worked part time and taught even a co-teaching half time schedule to maintain teaching status- I would verify that with a lender and still obtained real estate license (I can try to help you connect with some if you’d like) but for you specifically as some lenders you won’t be able to qualify with a commission based (potential at that for now) income for two years (two years of tax returns) in a lot of cases. https://www.hud.gov/program_offices/housing/sfh/reo/goodn/gnndabot Along these same lines a Homestyle loan product may work for you too, having a decent down payment and great credit score.