I've reached out to the gentleman that owns the large PM group in the area to see if he knows of any smaller PM that I can connect with and I also messaged my credit union to find out what my best options would be.

For your first commercial deal, your best home is probably going to be with a local community bank or credit union. 

@Geovanni Cano sellers don't like FHA, it is meant for people with little money and very low credit score, plus you have an FHA inspection which can derail a deal a week before closing, nothing the buyer can do.

Going to depend much more on more details / your personal situation - all things equal you will probably get better rate/terms on conventional if you qualify for bothThanks I have a good credit score just trying to get rid of that PMI 

We require a minimum credit score of 620 (averaged between occupants) to qualify.

He said most of his buyers are on a fixed income, can't qualify for a traditional mortgage, others have good, stable income but low credit scores and low income on paper and etc.  

Many lenders and vendors rely on D&B scores to evaluate creditworthiness.2.

If you are going for college students you will most likely also have their parents co-signing for them since most of the students will probably have next to no credit score or income. 

I do all of my commercial business with my credit union so I wonder if that has anything to do with it.

I made it clear that the minimum credit score and income requirement needed to be higher.