Recommend checking with a few lenders once you know your score.

Meet People with Experiences Similar to Your Own: There are many organizations (both free and paid) out there that you can join such as BiggerPockets forums, local real estate meetup groups, The Entrepreneur's Organization, your local AICPA group, etc. that gives you a place to receive advice, guidance, problems and ideas.Utilize the R&D Tax Credit: Your business could receive a 10-20% refund for employee labor that’s associated with improving a product or process.Utilize Employee Retention Tax Credits: If your employees that worked for your business during the pandemic are retained through the end of 2021, your business could receive up to $9,000 each quarter that your employees were retained.Own Your Own Office: This would allow you to have multiple tax deductions, utilize depreciation, take advantage of appreciation of the property, as well as allow your company to rent out any unused space to help pay the mortgage.Take Advantage of Energy Efficient Tax Credits: There are many opportunities to take advantage of these credits such as updating the HVAC system, installing energy efficient lighting, etc.Perform a Cost Segregation Study on Your Property: This would allow your business to immediately write off the personal property within the building.Utilize Work Opportunity Tax Credits: If you hire employees from groups that typically face a barrier when it comes to employment such as people with physical or mental disabilities, veterans, etc. your small business could receive a tax credit while also helping the underserved.Use the SCORE program: This program is free and connects you with resources, and mentors and specifically focuses on helping small business owners excel.

Here is a quick rundown of my current situation.I own a house worth $210,000 - free and clear no mortgage Credit score 808I have $0 in CC and car debt...

Mix it up between-Banks-Credit Unions-Mortgage companiesAsk to speak with the Loan Officer, present to then this deal, your down payment, and excellent credit score they should welcome you with open arms...and experience or atleast have a partner/team ready.

They most likely already have boilerplate versions of them however, you want to make sure you are protected when buying and assigning properties.

There are plenty out there that just qualify off of your credit score and the property.  

However, the rates and terms of them do tend to vary a lot more from bank to bank and the terms can be negotiated depending on the quality of the credit (not just credit score) and how badly the bank wants the business.What are you looking at financing and what's your experience?

A property owner can have an owner occupant property, a second home, and investment home financing and as long as it is up to 4 financed properties, standard Fannie Mae Guidelines apply.Here are the general Fannie Mae Guidelines on Conventional Loans.Minimum credit scores required to qualify for a conventional loan is 620 FICO credit scores.Maximum debt to income ratios to qualify for conventional loans is 45% DTI.Minimum down payment for owner occupied primary residential properties is 3% for first time home buyers and 5% for home buyers.Second home financing require a 10% down payment minimum.Investment home financing require 15% for single family home investment financing and 20% to 30% down payment for multi unit properties.Reserves are required on investment property financing.4 Year Waiting Period to qualify for a conventional loan after a Chapter 7 Bankruptcy discharged date.2 Year Waiting Period to qualify for conventional loan after Chapter 13 Bankruptcy discharged date.4 Year Waiting Period after short sale to qualify for a conventional loan.4 Year Waiting Period after deed in lieu of foreclosure to qualify for conventional loan.7 Year Waiting Period after foreclosure to qualify for a conventional loan.If you have a mortgage part of bankruptcy , the waiting period is four years from the discharged date of the Chapter 7 Bankruptcy and the foreclosure can be recorded at a later date after the Chapter 7 Bankruptcy discharged date.Here are the 2017 Fannie Mae 5-10 Financed Properties Guidelines:A real estate investors cannot own no more than 10 Financed Properties between one to four residential units which includes their primary home, second home, and investment homes.On a property purchase, a 25% down payment on the property purchase will be required for 1-unit property and 30% down payment will be required for 2-4 unitsCash-out refinances are not allowed past 5 properties.

(Different rents because we used the amazing advice of offering 3 different choices of lease renewal which is in the "Book of managing rental properties") We actually scored since there were already tenants and they have been great.

Also, I have a 775 credit score and make about $50,000/year at my day job.Just a little info on the property:Purchase price: $140,000Down payment: 20%Total monthly payment (including taxes, HOA, etc) (according to a 30 year mortgage): roughly $1050Rent $1500/monthI just want to know how that wouldn't meet their parameters?