If not, does anyone have any tips on sheriff sale auctions?

It is my understanding that if you go 5 units or more you will need a Comercial loan and Comercial loans look at the property value and the revenue it generates and not so much credit score or DTI...so look for properties that are 5 units or more.Or do BRRR (Buy, rent, rehab, refinance) using a private loan (mom and dad or invester) or hard money loan.I hope this helps a bit.Good luck!

I approached a larger branch bank chain, would i have better luck at a small credit union or a mom and pop bank?

@Brent Kiger I've been using rentigo for a while now and am really happy - @Cornelius Dudley is right - the tenants pay a service fee for using credit card or ACH and I'm assuming that's where they make their money from. 

We have great credit scores and high income.

Checked with Local credit unions and banks in local Erie,PA. they have their own regulations on out of state properties2.

I know that might be a bit of a stretch but I have excellent credit and am willing to put skin in the game.

Seller FinancingLine of Credit Wait for a rich family member to die (I don't have one of those) At this point my DTI Is still pretty decent and they would probably give me personally, at least one more property until the 2 years worth of W2s come in, but I want to take this thing to the next level.

Thanks for the tip. 

My current propert(ies) needs approximately $20,000 to $30,000 to be in tip top shape.