Seller financed (probably) won't be reported to the credit bureaus and so won't impact your credit score at all.

These markets are seeing strong population and job growth, which helps with both property value appreciation and rental demand.I’m a real estate agent who specializes in investment properties here in Oklahoma, so if you ever want to dive deeper into these markets or have any questions, I’d be happy to help!

The banks/credit unions said I needed 6 to 12 months of ownership to get refied. 

One place I heard an interview with that does ADU loans is ADUloans.netIts a mortgage broker in CA that specializes in ADU loans.Might be worth checking out.

We specialize in helping investors access opportunities in both residential and commercial markets, leveraging our network and industry knowledge to identify high-potential deals.

Rates are hovering in the mid 7s depending on your credit score.

Fast forward 20 years: I now have money in the bank, excellent credit, live modestly on my own, and run a business that’s doing well.Unfortunately, I wasn’t able to save much for retirement during most of my life.

More on DSCR loans in case helpful: 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.

I'm new as well congratulations on you're first property me and my fiance was going to start a real estate business but she has cold feet so i already have a LLC she the one who has the 820 credit score and I'm getting mine back in order we both have one property each i just loss my contract for my business so I'm thinking about using the equity from my home or turn my home it a bordering house just need some mentoring 

You could see if a local credit union or community bank will give you $20K.