Having a reliable lender with experience can help guide you to the best options for your qualifications, however at a minimum if trying to qualify for a conventional loan you'll need at least a 620 FICO mid score, other options are FHA using lower scores.

Which I know is low but am looking for long/mid term equity too.

We do quite a lot of small-mid size multifamily in Reno which has somewhat similar dynamics to Sac, but with some key differences in terms of property taxes, landlord laws, etc. 

Quote from @Alan NA: If you could pick one or two neighborhoods in these two states to buy a long or mid-term rental property $1mm or under, which would it be and why?

Got very, very, lucky on those.Have a friend who made so much (mid 6 figures), he took his money out of BTC, paid his taxes, and actually invested in a local brick and mortar bank startup...ironic.

I’m starting a short to mid term rental business.

You can't control everyone everywhere, especially if you have mid size team and hundreds or thousands of customers who submit tickets on daily basis.

Good to know. mid really like a 1:1 mentor.

I really am trying to build side wealth wherever I can especially since I am in my mid 20s and want to start somewhere.Any input is appreciated!

It also succeeded as a mid-term rental with a nine-month lease.