On a BRRRR, I have 10-15 years for my returns and a couple of delays won't kill me. 

I have asked for a cosigner who currently has the adequate income to make the rental payment and a good credit score. 

@Matthew Olszak  Options for Non owner occupied:   Option 1.  15-25 year fixed loan - 60% LTV, 3-4 points, and a rate in the 8s (for an empty (but not bad) credit report.  

Because he had a mortgage of $6k/mth and a car note of $2k/mth...in addition to his other household expenses. 

It's going to turn off some women and a lot of families with children, especially younger children.

@Steve Vaughan I don't think the owner is experiencing "hardship" per say, more just inconvenience and a stretched budget. 

Hello, we have a 190 home community and we have about 1.92 acres and we're wanting to put in a shaded tot lot and a dog park.

Paying down the balances on any cards to below 30% of the total limit makes you look like a more responsible person and a better (lower) loan risk. 

Here in Illinois we have a program that gets you a $7,500 down payment assistance loan forgivable over 5 years (so $125 forgiven per month) for first time homebuyers, and a $10k grant repayable @0% for all others.

With the right PM and a flow of properties ( I use wholesalers) you can really succeed there.