My goal is a minimum of 10%... but I'm really targeting 15 - 20% Cash on Cash.  

Both strategies you've mentioned could work, depending on your financial goals, risk tolerance, and the current market conditions in Chandler, Arizona.

The number usually varies from 10-20% depending on credit score, property analysis, etc.Some lenders will work with any level of investor experience, credit scores as low as 660 and can close in as little as 10 days (there are loan options for 640-660 credit scores- they require 20% down).Another good thing is interest only and 6-24 month loan terms- you can refinance by selling or refinancing to a long term DSCR rental property loan at any time once you complete the rehab.Once the property is ready you can sell it or if you want to keep the property as a long term investment, you can underwrite the loan based on your income /debt to income (DTI) ratios or you can go the DSCR route where the loan is underwritten based on the actual or market rents from the appraisal.DSCR loans won't use your income to underwrite the loan.DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.Here's a bit more in detail about how rates are calculated for DSCR loans:1.

@Tim Anderson what are your investment goals?

Not just a lender who can put together a loan document (they all can do that), but someone who is interested in your goals and can advise you in different strategies, downpayment assistance programs, etc that can get you going.From there your financial strategy and the local market will begin to steer you in a direction of homes available and that fit your finances.

That's your goal. 

Goal is to hopefully have about 10 doors within the next two yea

Hi Justin, you may want to explore its features, functionality, and user experience to determine if it aligns with your investment goals and preferences.

I already own a few rentals and feel the market is too high to purchase more right now.Hey Bernie, I would find another market where you can hit your investment goals.

This is most common for self employment situations and in most cases you need to show you have been in that line of work for 2 years (business license or CPA letteR).