Safe Credit Union, US Bank, El Dorado Savings, Golden Pacific Bank.

Also, any CPA recommendations and/or tips on keeping track of expenses/documents?

Rates well vary widely depending on credit and down payment amount.

In my area it's steep driveways, tuck under garages, small bedrooms and closets, 1 bath (and small), tight kitchens, steep stairs, 4 level splits, train tracks, etc

I've had a client purchase multiple properties by securing a business line of credit against their personal residence (which was free and clear) and use that as the downpayment for several rental properties. 

I also have a $90k business line of credit (BLOC) for when the HELOC runs dry.  

Regardless, what I'm trying to say is that you don't have to follow the same path but talk to several other lenders as there are options with smaller credit unions if you're strictly looking for buy and hold without having to do rehab.

You need to control if any sub-leasing of the space allowed at all or the selling of the business to a different operator.85% is a pipe dream regardless of DSCR ratio. 25% down for STNL is about as good as it gets for senior note only and that is generally credit grade tenants of BBB- or better.

That's a span of time you can't even fathom at your age.2)  BUILD a SOLID FINANCIAL FOUNDATIONGet your credit score to >700 (there's a ton of info on how to build your credit anywhere on BP or Google)Obtain or continue earning W-2 income (this becomes important when you want to obtain a mortgage down the line)Pay down any bad (consumer) debt and don't pile on any additional bad debt.Start saving.

If you are looking for an education, read the basic book for your state and track properties online.