If they do not qualify because of poor credit or income issues compared to being self employed etc there are differences - but typically people don’t qualify due to poor credit and people will seller finance to these borrowers thinking they woke up at a holiday inn and got a finance degree when in reality they repeat their past mistakesRemember the definition of insanity is doing the same thing over and over again expecting a different result

As long as the property generates enough cash flow, you may qualify based on the asset alone.Another route is to explore portfolio loans from local banks or credit unions.

I”m sure the ROW agent is evaluated/promoted on how much he can get done for the city at the lowest cost.

Focus on keeping upfront costs down and shop around for lower interest rates or lender credits.

I’ve been raising rents closer to 10% for the last few years and 5% is the lowest I can remember in the last 10.

Real estate investors do not get lines of credit from a bank.

US Treasuries will not see their credit rating improve, and will, within the next 12-24 months get another (small) downgrade, inching up treasury yields.

Credit 700+, bank statements available, good liquidity position (almost enough in cash to purchase the property - but obviously know that's idiotic).  

From there, it's normal DTI/Credit/Cash assessment for the new loan to determine whether you can afford the loan. 

Do you have an idea of the total tax credits?