Most commercial lenders want a 680 credit score,  or they won't talk to a borrower.      

So I'd say the answer to your question is it depends.

So to answer your question... likse some people said abolve.. it depends. 

FHA LoansIf your down payment savings and your credit score aren’t where you want them to be, an FHA loan could be your pathway to buying a home.

Credit Score: 

Wait... you never checked their credit score????

I have over 30k coming in very soon and working on credit score.

I invest in Boise, ID and do quite a few BRRRRs, LTRs and STRs- varying degrees of success depending on how much equity we can force and the type of back end financing we can find, but the tax benefits are great and it's a rapidly growing market and Idaho is probably the most landlord friendly state in the nation. 

With your considerable experience and, I'm assuming, strong credit score, you would be well-positioned to receive high leverage and low rates from most private lenders.

Your credit score will be worth improving to acquire better financing options.