Credit unions or smaller regional banks might be a better fit.

It’s worth exploring credit unions or lenders specializing in non-W-2 borrowers.

makes sense. so i actually did a 2-1 buydown FHA, i have a 800 credit score and locked in a 5.875% in today's market which is pretty damn good IMO... so the first year ill be at a 3.875% with about a $2350 monthly payment including prop tax/pmi/morg insurance/home owners insurance. lease is locked in for a year at $1400 a month which makes me only have to pocket roughly $1000. the way i see it, its cheaper than rent or mortgages in today's world!...

What's your credit score looking like?

Count on the rate to be at least 1% higher than where you'd be for a primary residence, and to maybe even cost a little in points depending on the program, your credit scores, etc.Happy to help you think on this more if you want to setup a call.

The property should have more impact than credit for hard money, but if you have never used the company, you are probably looking at 14 pct and 2-3 points now.

Be nice to get them come down in price or give me seller credits. 

Start with these three key points:Current SituationAssess your current or expected capital and credit within a realistic timeframe.

Before you get too far, I would go talk to every local bank and credit union in the area you want to do this. 

University federal credit union