I have one lender that will go up to 85% but need 720 credit or better and 1.25 DSCR no rural areas

@Donald Hatter We send the information to a collection agency who attempts to recover the money; after they make several attempts they place it on their credit report. 

Another possibility is looking into a home equity line of credit (HELOC) on your personal residence, which could help you tap into available equity without a large lump-sum repayment upfront.

I prefer to have the least amount of banks as possible.Create a bank account that you already have a relationship with(Credit card or mortgage)The least amount of bank accounts is also ideal.

I have over 30k coming in very soon and working on credit score.

Local banks and smaller credit unions are most aggressive in this space.

At least 2 US credit scores required to qualify.

Most people think real estate investing requires huge capital, perfect credit, or bank loans—but that’s not always true.

I guess I could do some work-arounds -- maybe reserve one unit in the first purchase for use as an AirBnb, and reserve my own time in it when needed - instead of claiming it as a primary.Are either of you (or anyone) familiar with a finance product/loan that will allow me to purchase under $150,000 (w/ strong credit) and do much of my own work and live-in a portion as a primary residence?  

I am considering doing this with a 0% APR credit card to avoid a loan.