I grew up in the land bizz  currently building out a 75 million dollar housing project in Oregon that I own and developed  I bought the dirt  7.5 mil cash and did all the horizontal in 3 phases about 2 mil per phase for development costs ( these were bank loans) then same bank gave me vertical loans and well we are down to the last 17 houses of which I have 11 presold and closings every two weeks for the next few months ..

You can generally achieve better bank leverage and has a lower barrier of entry.

As a new realtor (and student) you probably make below 80% median income which might help you qualify.I work with Finger Lakes Federal Credit Union (for my primary) and Lyons National Bank (for my investments), both will probably be able to help you navigating downpayment assistance and your situation. 

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

Try talking to local banks who want to do business with you.

Are LPs entitled to see foreclosure, bank loan related docs?

ASSET BASED LENDINGNote: Hard money is defined as average loan size under $2M, average loan hold duration under 2 years, and not a bank. 

And yes, we always coordinate our visits with the tenants and send an email ahead of time explaining what we do and where we'll look.  

Nick,Thanks for explaining.

It is very common and banks are fine with it.