Once you're deemed credit worthy by lenders you can start using leverage which needs to be used VERY carefully but is also extremely powerful.I personally do NOT recommend that someone with a trades or self employment 'life track' as you are describing is best suited to buy a first house with cash, and for instance use your time to fix it up.Few reasons here:Firstly, often the kinds of 'cash deals' available are ones that can to generalize tend to be more cash flow type properties (as opposed to equity properties). 

Generally, this means commercial properties with very good credit-worthy tenants signed on a very long term lease. 

Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change.

However, keep in mind that even the most creditworthy tenants can begin to fail over time or go bankrupt, as history has shown us time and time again.

If you have credit cards and obtained previous student loans as well as a car loan, that's a pretty diverse set of liabilities to prove your credit-worthiness.

Are you credit worthy(have you seen your report recently)? 

You'll have to get a new mortgage based on your creditworthiness alone as most mortgages out there are already sold to investors, the originating bank no longer owns them.

If you've done a few deals, have good credit worthiness, and a good relationship with lenders you know you'll be able to get financed.Last but not least you mentioned that you want to stop passing on deals just because the numbers don't work and "just want to get a deal done." 

For me anyone with a fico below 560 is probably a life long deadbeat, and anyone with no credit file, probably is also a dead beat, but they could have no credit for many reasons other than their lack of credit worthiness, so I assign 25 gamble points to the no credit renter and treat them as equivalent to a 585 fico.

If the sponsor has some challenges with credit then lenders who fund them will charge higher interest rates and fees.So in short all of those parameters that you asked about are "typical" but just know that the rate and terms of any multi family loan are dependant on the state of the property and the financial strength and creditworthiness of the sponsor.