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

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

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.  

Does the same usually apply for both?

My plan is to become a broker in a state that allows me to do so the fastest, and then apply for reciprocity in the states around me.

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 someone were to apply that were not a student and had a small dog that wasn't a yapper, or a cat, I would consider pets for that person.