., Those would most likely still be qualified as improvements on property and not the purchase of property themselves even though it is on the settlement statement. 

She has skills far beyoond your ability.

A lot of people know what they need to do and have the skills but don't actually follow through on it.

We both have full-time jobs aside from real estate, so we can qualify on our own for smaller deals.

They don't own anything, and still have to qualify for a mortgage at the time of purchase if they decide to exercise the option.

The tax code clearly states the cost associated to a foundation for solar such as a roof will not fail to qualify here.

How would you feel if it took you 20 years to become proficient in a skill and someone comes along and asks you this question.We also had a podcast with @john Ruhlin from Giftology.

With 20% down you should absolutely be able to find a 30 year fixed rate....although, I don't know your financial/credit situation...but getting a 30 year fixed rate, especially early on, will help you qualify for more deals in the future. 

That said, please be sure to follow forum rules and not solicit in the forums outside marketplace or spam via the message system, both of which are against the terms of service here.Based on your initial post, it sounds to me like you have more to offer than most so in my opinion, you have a better chance since you have the skill set AND some skin in the game!

Let's say that you want to buy land and build a fourplex, however, you are newly self employed, and you won't qualify for mortgage loans for another 2 years, since banks need a 2 year tax return history.