Is this for a core property that was constructed in last couple years in a Class A market or a 60's construction in a small town, middle of nowhere.Then it gets into borrower risk and relationships with lenders.  

Research the market to find favorable conditions, such as job growth, population expansion, and affordability.Assess your financial status and consider different financing options such as conventional mortgages, private lenders, hard money loans, and innovative financing approaches.

I'm looking to get a loan for my first non-owner occupied rental property but my current lender is telling me my debt to income ratio is too high due to my student loans and mortgage.

He will likely keep the larger of the two social security checks plus everything else that is stated in her trust.3) Keep in mind as you apply for loans, lenders will count this property towards your debt to income ratio.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Hi Mel - Have you got in touch with an experienced lender?

That being said, they can do this with peace of mind because they have a resourceful and reliable team in place (agent, contractor, property manager, lender).

You want to find lenders who work on a similar time-frame as you.

Also how do you find lenders so that one can invest without their own personal money.

Lenders just want to see that someone will be covering the mortgage + some.