I'm not an loan officer, but I know some banks locally like ORNL Credit Union have offered a 0% down conventional loan product.

That is my personal go to.

Therefore, it is advisable for the client to consult with their CPA to receive personalized guidance tailored to their unique financial situation.

Its no different than a tiktok video on financial literacy gets not views but if its a person shaking their you know what or talking about spitting on something they become instantly famous...

Many community banks will give you credit for proforma rents.  

However, there's a loss on the 2023 Tax Returns, and Net Income is $45,000 in 2022 (Client has lots of writeoffs) What loans could I use that only consider:- Bank Statements - 1099s - Credit Score Please contact me with options.

However, you can get loans that are based on the performance of the rental and not your personal income and debt.

I have personally worked with @Wale Lawal and he is awesome. 

I personally don't know of their group but figured id link that article since i remember reading it and the name clicked. 

I find it's very personal, and dependent a lot on your goals, resources, risk tolerance, location, experience, etc.