. :)  these are not credit score loans ( I mean I have a credit score) but thats just a formality its all about capital and relationships with your bankers and deposit relationships thats key as well.Yes your relationships with sub contractors will be a huge factor in profitability, both direct and indirect. 

So you can scale that if you want.FHA is for people with poor credit and very little down payment.

Education is very important, so I’m taking a self taught course to get my permit tech certificate.

THere is a loan I have seen folks using in the past... not sure if it is still available but it is the MACU90 loan with mountain american credit union and it is a 10% down investment loan.

The better the rates, lenders generally want to see more experience, higher credit, occupancy and DSCR requirements. 

Freddie Mac will allow you to finance each property and the Maximum is 10 loans on credit.

Are a lot of people in it for themselves, and will give you advice that will benefit them, of course, that is human nature?

If the property were owner-occupied, would I only receive credit for one rental unit's income, while the non-conforming basement income wouldn't count?

Check with your local credit union

Of course just make sure to check with the town zoning laws on ADU's etc.