I didn't have a good down payment, but I do have good credit & a higher personal income, so I was able to acquire a large enough personal (signature) loan to buy with "cash."

I have decent credit but will be changing employers next week.

However, my credit is only fair and and FHA loan is not a option. ( 4+ year old closed credit cards that are being paid off). 

Condo's are often notorious for poor construction. 

Or if it is a small deal in OH maybe you know someone who can use a credit card to help you purchase it, then rifinance it into a non-QM (i.e. semi-soft money) loan. 

Not completely new to real estate .I own one rental property and one paid off condo that I live in.Trying to find my next deal .But I have an issue with my credit and having issues getting a loan from a bank.

Worse case scenario they told me over the phone (pre-screening questions) that they're credit score was probably around 400, so that would exclude them anyway according to my Standard Qualifications. 

I have good credit (730) but only about 10-15% down so I am looking for alternative financing but I have no idea where to start.

That said, I'm assuming that purchasing (and living in) a multi-family unit may be beneficial due to first-time homebuyer tax credits?

Credit score is about 650 with a stable job, dont have a lot of personal debt.