Once I got my first mortgage my credit score shot up 63 points.

As Nathan mentioned, I would make sure you have created a rental criteria that outlines income and credit requirements as well as how you will treat those with a criminal background or eviction history.

Will Glaeser Lenders want to have your income (tax return, pay stubs, w2), credit, experience, bank account, LLC operating agreement, purchase agreement, scope of work, market comps, property evaluation, exit strategy.

If I hadn't had the cash, I also have a line of credit available for things like this; however, I would have been in trouble if I were new investor with no reserves. 

I'm looking for modest homes - under $150k - I have "good" credit - and only a small amount of monthly debts. 

@Rob Sawyer Credit Unions would be a good place to try, they have more flexibility than National Banks. 

House-hacking is a great intro, starting young is a huge x-factor so you're in a great position, I started at 23 & I really credit much of my financial success in life to making that first leap of faith.

I wanna buy properties well under market and rent to own to people who have had credit issues or maybe other issues.

Unfortunately that will only help if the tenant either wants to stay or has decent credit and doesn't want to mess it up.

She wants 205k for it all...My Credit isn’t the best and don’t have much on hand cash.