However, my debt to income ratio with that home loan, and student loan doesn't look that great currently and I don’t have much for a down payment.

How did you establish trust with your investors when you were starting out?

I am looking at different loan options but to break even (not having to put any money of my own in the house after the initial down payment) the current down payment required is that much. 

am working with them now and had the first policy (with Spinnaker) cancelled for nonpayment/late payment so we rewrote another policy (with Millenial) and having the same payment problem again but at least they are communicating that cancellation is coming. they want me to pay by credit card over the phone so the payment wont be late and cancelled again. but when i go to mycoverageinfo.com to check on status it shows its been paid.

Ultimately, it’s about trusting your gut and assessing each situation individually.

What would standard down the payment be? 

There are loan programs that will do a 20% down payment with a 680 or above credit score. 

If you have access to someone who is ready to trust you with their asset, do right by the owner and go for it!

.* Leverage Social Proof in Your MessagingWholesaling is all about trust.

The lender may figure if the borrower had this kind of money they’d be making the mortgage payments.