@Lawrence Your only choice might be hard money with a 500 credit score.

Moreover, most have a minimum FICO score that can be anywhere between 600 - 660, most commonly it's 620. 

What's your credit score look like and do you owe any debt against the property currently? 

I figured with my 830 credit score I would be able to get a loan for 80% LTV.

It's hard to stand out.There are some owner-occupied segments with people who share motivating factors for selling their home.Seniors with Long-time Ownership: often ready to downsize or transition to assistance.Homeowners with Low Financial Stability Scores (FSS): Struggling financially and likely ready to cash in on their asset.A list broker should be able to help guide you in the right direction.Good luck!

Why take the chance of a 30 day late ruining your credit score for the next 2-3 years for a perceived short term benefit that isn't real?

The VA loan is an incredible product that can allow you to purchase more real estate and build your portfolio faster.

That's pretty competitive but it depends on a few things:What's your FICO score?

Troy Dee at Golden Land Surveying and Bruce Stone, City Manager were incredible to work with.

Also, I'd get the credit score of every tenant.