But you have a few different options.

Going to try out PayRange, the Shine Pay is slightly more expensive and the one quote about the 20 units appears to be from shinepay as it is the only qoute they ever made... not sure which is better but both look like good options

Another great option is the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat), where you buy a fixer-upper, renovate it, rent it out, and refinance to pull your cash back for the next deal, and this is a good route because most private lenders can go higher LTV than on a rental loan! 

Your credit score will be worth improving to acquire better financing options.

Many good rental options in San Antonio/New Braunfels area.

@Kwanza Price - Syndications are a great options and even some QOZs. 

I think build to rent is a great option if you can get cheap enough land to make it worth it.

There are risky, but high return options like QQQ which grew 27% over the last year or on the other side / safe end, there are super secure short term US government bonds like SGOV which pays out about 4.5% in dividends. 

If they do, your best bet is a local community bank that funds these types of properties.Another option is a private lender but that money will be pretty expensive, as mentioned 10%  + 

There's zero reason to do this when there are plenty of options to avoid it.