Tyler,Within my 20 years of experience as a landlord, if I had $150k and good credit, I’d focus on either flips for fast capital or rentals for long-term cash flow—trying both at once can slow you down.

It depends. all you talked about was the property but financing is more about the borrower, their experience, their credit, the cash available etc.

Another option is to co-sign but that has the same impact on my credit and responsibility to the bank.  

You may need to pay points if you put less than 20% down, but lots of no point options once you get to 20% down as long as you have decent credit scores. 

🌟Great no move to Multifamily With the same skills you can manage a 1M fourplexMore independence when you grow your familyStart the journey to bill wealth  if you have a 350,000 at 6% your wealth per year 21000with a 1M  your wealth 60,000 per year  3XBuy a 350$ houses you need to have good credit great Income personalBuy a 1M  Multifamily    (my unit 350$ same income)+ 2Unit rent is your income+ 3rd Unit rent is your Income .Same only that your roommates don't live with you.

DM me and I'll connect you with the Credit Union I send my clients to.

Quote from @MIchael McCUe: Money isn't easy to save and $10,000( my debts) is a ton of money I want to save for a downpayment, I'm just starting so I don't have any money I would like to save $60,000 to buy a rental property, I think I could do it in  5-6 years, my brother filed bankruptcy and they relieved him of $6000 in debt from cash money.a list of my debtGst Hst Tax 4500 income tax from working with my dad I oweScotiabank credit card 1400Canadian Tire credit card 500cash money loan 2400Belair 600echelon 600should I pay the 10k back in the next while or should I file bankruptcy like my brother as It won't be for years until I am able to get a downpayment for a rental house anyway.Here are the negative consequences, in regard to real estate, of filing bankruptcy1.

Some credit unions will go to 85%-95%, but there are just a few that will do 100% loan to value! 

Yes, there is time expense, a hell of  a lot more than your giving credit for.

BTW there is a free trial and the Starter monthly plan is $119.It also allows you to search through consumer information such as property owner "credit worthiness," Credit card usage, buying power, age, language, family members in the house, and many other fields that are above and beyond property characteristics, which is unique.