How about a co-signer? 

I was told to find a co signer and ask a local bank for a loan

The last credit union they talked to said that they wouldn't accept a co-signer for such a loan either. 

If this is your first rental, there is slim to no chance in getting a conventional loan on rental with 0% of your own money. sorry to say but no one is going to trust a new investor with 0 skin in the game.You almost always have to throw your own capital at the first couple properties you buy in order to build credit with lenders. if you really want to do 0%, you would have to get that from friends or family/have a co-signer

I am a co-owner of a PM company with three offices in Philadelphia.Regards,Joe Scorese

I had a co-worker introduce me to this site and I figured I'd see what it's all about. 

After discussing my land situation with a co-worker today, he suggested using the land as the down payment on a new construction and then rent it out as a vacation rental.

A co-worker just bought one and and he is now living rent free, he plans to stay a year then move out and he will clear a whole units monthly rent.

I was told by a Broker that When you need a co-signer (which I will and I can get) that you can not do a 203k Loan with 3.5% down on a owner occupied multifamily.

Hello BP, I am looking into doing a co-wholesaling with someone.