@Omran S.Your best bet is to have a work history that supports the amount of money you want to borrow.  

I have a great company I work with that educates the consumer, deletes accounts, and creates a future credit plan to achieve their end goal.

Typical commercial lending is LTV 70-75%always an ARM, like 20 due in 10 (or even 5)property self-sufficient (aka DSCR 1.1 - 1.3 depending upon the lender)with an NOI that supports reserves 10%, vacancies of 12%1/2 year prepaid taxes AND insurance (last parts of PITI)Your personal credit should not be part of the qualification process.

Judging by the responses, there seems to be an enormous level of support and camaraderie here!

As supportive that he military members are to each other, owning real estate still has a stigma. 

How is it SUPPOSED to work when Sally Q Consumer expresses frustration with her current agent in earshot of some other agent if no specific property or listing agreement has been signed yet? 

If the LTV is supported by the appraised value, you could get in with little down as well. 

Wondering if anyone has experience doing a virtual office business in purchased commercial space...My investing group needs a new home and I'd like to be able to have a business and building which supports itself and has room to offer to lease to them or some other arrangement.I'm thinking virtual office space might be a good business to do that in.

As soon as the property is in livable condition you can then rate and term the HML without any seasoning requirements as long as the LTV is supported.

While in college as a new agent I had been working 3 other jobs to stay afloat since supporting my mom and younger sisters and boy is it hard to transition over to full-time with a family to support (some agents take out $5k-10k loans to get started and it sure seems to expedite their success and I also would recommend quitting other jobs as soon as possible instead of allowing it to hold you back and then making that first assistant hire as soon as possible too).