HML or private money to make a cash offer, maybe.What is your ultimate goal on this property? 

If you find you're unable to get something right away due to your credit or income situation, you may still be able to acquire your first place creatively via a lease/option, seller financing or buying a place 'subject-to' the existing financing, plus there's always hard or private money however either of the last two would require having 'take-out' financing lined up in advance, which might be a stumbling block.

If you want suggestions, contact me via private message.

Outside of portfolio loans (great option), here are a couple other options for growth:Raise private money to purchase dealsPay down the mortgage on one property with the snowball method.

I compare my services to those of the "competition" and the private Landlord: online payments, solid screening, no evictions in 5 years, over 340 rentals under management, member of NARPM and higher code of ethics, etc.3.

Or are you a hard money/private money lender as well. 

.#2 Explore Lowes and Home Depot to Learn About Material PricingTake a tour through Lowes and Home Depot (or their websites) and look at finishes materials and fixtures that you will consider using in your rehab projects.

I have dealt with both and @Darrin Carey is something of a hybrid between hard and private money. 

Some use Private money at less and no points, etc.

My other investments are a JV and some private lending.