I've done a fair amount of research, reading books/listening to podcasts to the point where I feel I could take an active approach, but I am currently in the military so I don't want to over-exert myself starting out.

Servicers have merged and operate on thin margins.Refinancing with a credit union or bank doesn't solve the problem.

My first deal looks like it will fall through because the bank doesn't like my work history. (4 months as a union electrician, which the bank considers contract work).

A lifelong friend and I are motivated to (virtually) meet and connect with those in REI working in the Pittsburgh area.I'm active duty military and living in California with two rental properties (one in Virginia Beach & one in Pittsburgh) and my close friend owns a single family in Baltimore.  

Leverage Local ResourcesEconomic Development Grants: Check with your city or county for grants or incentives aimed at affordable housing or community improvement projects.Local Banks or Credit Unions: They may be more flexible than larger financial institutions, especially if your project aligns with community needs.Partnership with Nonprofits: Collaborate with organizations interested in affordable housing or sustainable living.4.

@Timothy Hero community banks and credit unions are the OG DSCR lenders.  

I’m a 23 year old military member and upcoming veteran :) !

Check out Military to Millionaire on Instagram.

And don’t sleep on local banks or credit unions—they sometimes offer flexible portfolio loans that could work for a deal like this.Since your wife qualifies as a first-time homebuyer, check out any state-specific programs or HUD options for down payment assistance.

@Jeffrey Bourque Are you planning to finance this with a local bank or credit union?