Have you thought about this approach or considered a phased plan to build up your portfolio?

You may not need "2 years of work history" either depending on the detailsGenerally speaking there are 2 main types of loans for investors: “Conventional” and “Portfolio”Conventional - I'll define these as loans that come from Fannie Mae and Freddie Mac (if you recognize those names).

I'm fairly new to investing and looking to wholesale at first, then develop a portfolio of rental properties in apartments, SFH or both.

Additionally, when comparing whether to build a single family portfolio or a comparable multi-family portfolio, you should also keep in mind the transactional costs involved.

I agree local banks and credit unions will be better if you're planning on growing your portfolio. 

My husband and I accidentally became landlords in 2022 and are now looking to expand our portfolio! 

Kyle  My father-in-law did this by creating a portfolio that is primarily debt-free single-family rentals in the city he lives in.

So happy for my investors hopefully the rest of the transaction goes smooth so we can get it all locked in and they will have one more property in their portfolio than they did a few months ago.

My main goal is it be able to retire at age 40 from my main job and work entirely on my real estate portfolio.

I buy and hold and do short term rentals and mid term rentals.Located in Racine Wisconsin  @Gabriel Williams Congrats on your portfolio.