I have good credit (730) but only about 10-15% down so I am looking for alternative financing but I have no idea where to start.

That said, I'm assuming that purchasing (and living in) a multi-family unit may be beneficial due to first-time homebuyer tax credits?

Credit score is about 650 with a stable job, dont have a lot of personal debt.

Hey I hope some of you guys can help me,I recently graduated college and have limited work and credit experience.

Don't forget to do credit checks, etc. for the tenants.

These days, CPAs don't need to be local, as pretty much everything can be done over the internet.

Congratulations, you have found one of the most valuable free resources on the internet for real estate investors new and old, Margot.

My question is which of us should apply for the loan to get a higher loan amount.Me:Monthly gross income: $2500Computed Debt Ratio: 0 (no debts)Credit Score (Transunion): 625My Brother:Monthly gross income: $5000Computed Debt Ratio (using https://www.mortgagecalculator.org/calcs/debt-ratio.php): Frontend 19.5%; Backend 45.66%Credit Score (Transunion): 667So which of us should apply for the loan to get a higher amount?

This isn't something I would leave to Bigger Pockets forums the laws vary widely by state so it would probably be best to look up the law or talk to a professional in your area, (not over the internet) who knows what they are talking about.

I could offer my tenants a credit towards monthly utility bills based on how much income I make from the solar company.