They can't do their job right.

If that's not an option, you're looking at a minimum of 15% down for a single family investment property.If you haven't been working, you'll want to wait until you have a 2-year employment history UNLESS the job you have after college ties into what you're going to college for. 

Great job and congrats!!! 

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Employment Growth Outpacing Housing SupplyBuffalo leads the nation in the ratio of new jobs to new homes permitted.

While they might not be the cheapest - no HM lender is "cheap" - they do a good job at what they do.

@Chloe Salcedo investing in real estate is not a full-time job.

I am currently an Asset Manager for Multifamily Deals as my W-2 job and looking to buying my first deal in College Station/Bryan Area.Anyone I can connect with to pick their brain on different investing strategies? 

I'm fairly handy, but just to balance things with my 9-5 job, focusing on something that just needs superficial updates or something nearly turn-key is probably best. 

It is not your credit score but generally better credit will result in a better score- Time at your job- Education level- time at current residenceGood Luck & feel free to PM me if you have any questions.