i was told by a mortgage banker that i have to have 2 years work history to qualify for a loan. is ther anyway around that so i can invest sooner?

The lease agreement includes mom and one kid, the daughter just moved back from college and now the son is using basement living area as a bedroom.

Some of the restrictions that I found out is that you need to work in the same company or at least proof of consistent work history for at least 2 years (correct me if I'm wrong).

So, you'll find things like sales and listing history.

You need a consistent history of business and assets.

But it seems like the investors who are able to out bid have long history with their guys which translates to lower costs to build.

Taking in HML while still young enough to not have a proven history?

These are units that are occupied by people who have low credit, hard to prove income, rental history issues, crime issues, etc. 

Would you lend money to someone who has no history with you or track record doing this ?

Guidelines have loosened up a bit recently and there are a lot more lenders doing loans for these borrowers using bank statements to show deposits, I even have a few stated programs available, but even these programs still require 2 years self-employment history.