I see apartments spring up in old downtown Wichita in former office buildings.

(and yes, although my vineyard is small,  I do have a few grape plants and my husband now holds elected local office!)

.#1 the office has to approve your buyers, have you approached them and they will work with you? 

If I only had the money back that I spent on alcohol when I was enlIsted and a junIor offIcer!

'm a young tech worker trying to break into the real estate industry.

Was this from an office exam or was this via mail? 

I have found that there will always be blue collar workers in this state that need a place to live - most of which will never purchase.

For qualification they include usually minimum payments on credit cards etc not the principal.If you're really low income, maybe it's better to find a lender who does "stated income" but there need to be proof: bank statement etc.I'd try another loan officer, maybe mortgage broker who would search for different options.Take a look at the topics here: there were explanations how Rental income would count and @Chris Mason even referred the source where to get the info first hand

We have done houses and cash for office.

There is a big caveat to that though, which is that (1) I haven't entered into any LPs myself, and (2) the clients I work with are large real estate investors not using conventional bank financing.However, I did make loans to LPs as a bank officer prior to practicing law.