Set up a meeting with your friendly local bank or credit union to learn your options.

B Garrett for a residential 15 year fixed I can do 4% dependent upon the credit profile of the bowerrer.

But from all of that  I do know that buy and hold is the direction I want to go in for the long-termI work full time and would like to continue working while investing, credit is not a problem for me so am sure I can secure a loan but money down is what I am working on for my very first rental.

I have years worth of savings in the bank, credit lines, relationships with hard money lenders and deals in the pipeline. 

Also most of the time people seeking owner financing would not qualify for the best rates from a bank if at all due to high debt or other factors, thus the owner would not and should not treat that person the same as someone with great income, no debt, and stellar credit. 

I'm currently a manager at a credit union.

My credit is 860 and my DTI is minimal and I've been renting for about 4 months and want to get into another home but don't have the down payment currently for a conventional.

They suggested a traditional loan as I have excellent credit.

A" Tenant = Professionals with good credit, pays on time and takes care of the place.

Then you do another credit check on the husband and let him qualify by himself.