They should also be well versed in underwriting, not just being a loan officer. 

There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

When it comes to lenders and loan officers there are some seasoned vets and those who work at a call center and know next to nothing.

Also did you ask the loan officer why you are falling short? 

This generally includes anything with a useful life of 20 years or less such as software and computers, equipment, specific building improvements and office furniture.When to consider bonus depreciation?

Network and connect with a realtor, trusted general contractor, mortgage officer, private money lender, banker, and attorney.

Should I go on my own or seek employment with a Title/Mortgage Office?

Myself and a few partners (GP Team) have identified a medical office building that checks most of the boxes.

I manage over 100 STR and MTR properties (STR is not allowed currently for ADU's, but MTR is, and great way to maximize the income, unless you're using it for family or office purposes.)I recently constructed an ADU in the backyard of a property within the city from a detached garage.

Depending how much you earn you can step up those savings by getting a side-hustle in any part of real estate....working for a top Real Estate office on weeknights and weekends, working for an RE Investor, working for a General Contractor and learning a few skills, etc.