It's a nice light refresher read for me after answering a few ACA tax questions this afternoon.   

And refreshing too.

I would try the owner finance rout with you putting money down.The reason I say this is I helped many people improve credit scores back when I was in residential years ago.It's not just about credit score anymore.A bank will see you starting a job in a new field after quitting school as high risk and not stable yet.Generally underwriters like to see 2 years in the same line of work for stability and to get an average for your income over time.They also do not like to use bonuses for debt ration versus income as that can swing wildly unlike a fixed amount.So for example if you are averaging 5,000 a month but 50% is bonus that is looked at more risky than 20% bonus and 80% salary.This is why I say even if you get the credit score up it will help but time on the job will be a big roadblock with conventional lenders.This is why with your cash I thought get a few owner finance deal sunder your belt purchasing correctly and then you can have assets and cash flow with built in equity.You can then use these properties as collateral with some lenders.As has been said they generally don't care who you are if the value is low enough going in.With credit it is simple you just challenge it on your report (check all 3) exquifax,experian,trans union and then they have up to 30 days generally to respond.If they don't respond with evidence it gets removed.Do not leave a written statement on the credit report if they won't take it off the first time as that does nothing for you.In fact it can actually hurt your chances of removal in the future.Also do not pay an old collection that is coming off in a few years.If you owe 1,000 and it has been in collections for 5 years and is slated to come off in 2 years then calling them up and even paying a dollar REFRESHES the collection and makes it new again.If you challenge it multiple times and cannot get it removed then you can try for "payment for deletion" where they wipe the negative account completely off the credit reports for settling the account.Make sure you get the agreement in writing or it's not worth anything.

One that:Overdelivers and provides massive value (content & resources)Is not a big pitch fest with various speakers trying to sell you stuffIs high-energy & funThen you need to check out Brad Sumrok’s events.I just came back from his 2 day event in Dallas,TX and I’ve never been so refreshed and charged-up in my life and I am beyond ready to do some deals!

5) Refresh of Model S/X with plaid powertrain that should put Tesla back on top (Porsche Taycan currently fastest EV and Lucid Air Dream that is reported to be faster).   

I also post & refresh the listings on Craigslist & GoSection8 every 3-4 days.

What refreshing responses to read as we also plan to buy in CASH ONLY in the future.

I collect, deposit, rent rolls, take care of all maintenance, clean lots, take care of all insurance issues, do remodels if needed, clean out tenant vacates, refresh for new rental, find the tenant, sign the tenant.

He has an impeccable track record and refreshing honesty. 

I prefer local lenders with good terms I can work with.”A very astute and refreshing comment, @Tony Marcelle.