We're seeing very favorable local financing with credit unions throughout Oregon in recent weeks and months. 

You will get exceptions on your income at small local credit unions and banks who will utilize your 1099 income over W2 income more loosly, nonetheless it all starts with you completing your taxes.

I also kept track of the properties that I made offers but didn't go through with but another investor bought.

I need the full package: credit report, criminal report, eviction history.Thank you for your help!

The “tales” of nothing down/seller subordinates “down payment” done successfully almost always hide the most important information - that the buyer either provided additional collateral (such as real property owned “free and clear”, a certificate of deposit in an amount greater than the down payment required, or the buyer is financially strong enough that part of the financing was in effect a personal loan or line of credit. 

Lenders that offer DSCR loans generally don't have a cap if the mortgage payments are paid on time and the borrower has the credit score, down payment (or equity if a cash out refinance) to qualify.

I'm currently a senior in college and am on track to graduate with a bachelors in facility management this upcoming spring.

I work closely with several local credit unions and commercial mortgage brokers and rates were dramatically higher just 30-60-90 days ago. 

Have not yet spoke to local credit unions.This has all been validating to what I’ve been thinking about, but you also brought up a few real world examples that i would have missed. 

This way, your rental income supports your next purchase, and you don’t need to save as much for down payments.Financing: Focus on improving your credit and saving for future down payments.