Let's say you already used the tips above but you really want this nice yacht you've been looking at buying but you want to buy it with a loan and you only need to show $5000 more a month in income to buy it.

I actively buy real estate in Arizona.

@Camille Romero I would not buy a property in a city with a declining population.

Does anyone have experience with buying rental or STR property there or have a connection there that I could speak to? 

Investment Info:Small multi-family (2-4 units) buy & hold investment.

As Guadalupe said above, a DSCR is a great option for buying with a lower DP but it comes with the caveat of higher interest rates; and as Nate said, National Bank of Coxsackie in Glenmont is a great local bank which wont sell your note to larger banks.

We were fortunate to buy a house that was almost entirely turn key so construction wasn't needed.

As long as the lender can finance in the state that you want to buy in, then work with them.

If he is a contractor, why not buy the house personally and pay him a fee for his services.If hes a realtor, why not just pay him a commission to buy the house.Best of luck

Here's the challenge: If the numbers work with a low down payment, why wouldn't an investor putting 20%-30% just buy it and could likely offer more?