Connecting on BP is great, nonetheless finding local investors, partners, agents, and lenders will get you closer to your goals. 

The Navy rejected me LOLWe have to roll with our market. 

They become a lender with all of the inherent risks.

@Kim Durst, speak to your lender about the escrow holdback first.

Hi Rose- Few things to note about buying an investment property.1) Expect to be putting down 25%, as this is most lender's required downpayment on "investment" properties.2) You likely won't be cashflow positive unless you are putting >50% down, OR are buying in a C-class or worse neighborhood.3) Starting out with a condo or townhouse could be a great idea if you're just looking to get your feet wet with landlording- It is less maintenance than SFH or MFH, and you will gain invaluable experience managing a tenant.Aside from the financial challenges, I think it's great that you have the mindset to grow your portfolio.

I have had lenders only respond to emails from my husband even though I have a Master's degree in Finance and he knows very little about our loans. 

Or any lenders with a product that can make this work? 

Instead of trying to guess the future, let's talk smart moves:First,chat with a lender, get pre-approved, and figure out your budget with today's rates.Stay in the loop with market trends and economic news, but don't let them stress you out.Think about different loan options – it's not just about the lowest rate.And seriously, don't wait for the "perfect" market.

Having trouble finding a lender to lend no more than 60,000 with me putting down around 15 percent .

Also, the transfer of title would insure costs, and you would need to make sure the due-on-sales clause would not be an issue.If you decide to proceed with the business purpose financing, lenders will generally require credits from all three of you given the shares of the LLC is 1/3 of the company each.