Couple options that might be viable for you (I don't know all of your circumstances)- BRRRR into a DSCR by creating equity; partner closely with a lender before starting on this to cover seasoning and other requirements - also this will only work for an investment property, not a primary- bank statement loan/1099 loan may work if you can put at least 10% down and want a primary residence - will depend on how you're operating and a few other variables- seller financing; find a seller willing to carry a note for a few years- co-borrower; someone with decent income and credit who will be on the loan with you- DSCR purchase; be prepared to put down at least 75% or your rate/pricing will be horrible (70% is better); many lenders will have experience requirements; investment property only- find a private lender willing to fund the loan you need- get a salaried job relevant to your college coursework; your fico is strong and you have some cash, so househacking could be within reach via Fannie/Freddie multifamily purchase; get a solid workup from a competent lender before going this route as employment history will be touchy with this routeHard money can be used for an acquisition and rehab, but make sure your takeout financing plan is bulletproof before getting hard money.I'm originally from Baton Rouge.

Girl friend who is doing this with me has 750+ credit score and the higher paying job.

Are you wanting to leave your W2 job sooner or do you plan to stay in your job for a long time?

Are there any real estate investor jobs that are not 100% commission?

My suggestion is to go long with the vendor financing.

How else will you be able to possibly pursue collections without SSN, job & bank info?

I might suggest attending one of the local meetups, to be able to talk to other investors that are at various points on their journey. 

.- Close to transit preferred- Close to jobs/shopping

I literally financed 10 properties without a job back in the 2010’s when “credit was tight.

Hi All, I am a 29-year-old working a W2 job that pays well.