You credit has nothing to do with it.Conventional loans are backed by Fannie Mae and their charter is to support loan for home loans for owner occupants.

February Vacation Week Rental - $2500 (we use a charter school which doesn't have Feb school vacation, so would rent this week. 

I own a summer charter fishing business and gross about 120k a summer during the fishing season, I am a full time police officer and gross about 100k doing that, (after taxes and deductions about 68k) I have about 200k in retirement and have taken unpaid leave to put more energy into my business as this is the busiest I’ve ever been ( people eager to fish in alaska after covid) I want to cash out my retirement and buy a 4 plex that will cash flow around $2,800 per month, I’m just not sure if it’s the right move but it’s what I want to do..

Any way to be a bank without a federal charter?

And there are express bus lines that shuttle commuters into midtown on nice comfy charter buses for $6/ride.Crime is petty.  

Within Concord, you might feed to Concord High, Ygnacio Valley, Clayton Valley (Public Charter School), or Northgate (in Walnut Creek).

Barney Google,aunt  Lowezie and Tater all were in charters with Snuffy Smith in the evening paper along with the strip "little orphan annie." 

That being said, many people live in the metro and go to charter or private schools. 

I specifically am interested in duplexes because the cashflow is greater, and will help offset the property tax increases (which are coming).If you know Buffalo neighborhoods, like I know Philadelphia, you will be able to concentrate on those specific areas.In Buffalo, do you target neighborhoods near Universities and public or charter schools?

I believe a federal would be like wells fargo, the federal chartered would pretty much have to lend to you as long as you and property meet guidlines, IE. banks can't not lend based on geographic location.