I have 720-760 credit and almost 25k in assets.

We currently have some money saved up thats sitting in a bank account and waiting to be invested, but I am not sure whether or not to invest in an airbnb for more potential cash flow or a multifamily for a steadier income.

I do full background, credit checks, job verification, etc.

Here's a list to give you an idea:Startup Costs:Down PaymentClosing CostsProperty InspectionAppraisal FeeProperty InsuranceInitial Repairs and RenovationsEmergency FundOngoing Expenses:Mortgage PaymentsProperty TaxesUtilitiesProperty Management FeesInsurance PremiumsMaintenance and RepairsVacancy CostsProperty DepreciationLegal and Accounting FeesRemember that these costs can vary based on factors like location, property type, and personal preferences.

I have credit already established and want to make it less complicated.

I'm not trying to do that Accountant job on my taxes, I just want to understand the process.Thank you. 

The Down Payment can be higher, but the DSCR program can go up to 80% sometimes 85% depending on several factors like; Property Type, Location, Credit, Cash Flow, and Lender. 

Feel free to list the property details (as-is value, PDTI, credit score approximation, city) and I'll give you an idea if the parameters look realistic relative to our standards!

My pro account was downgraded to free account.

I have a large income, great credit score, a down payment, just not enough for 20% down OR not enough down to meet the conforming limit of $766,000.