I don't know who to contact, but I live in Phoenix area and am thinking to start with a condo but will need some financing.Just sold my primary residence so no debt, good credit and will be living in my condo which I own free and clear.Looking for advice......

So, I can get a cash flowing house in SoCal, in this market, because I don't just look at price, rent rates, and debt payments.

They will qualify you based on LTV (loan to value%) DTI (debt to income ratio) personal credit score and assets.

I want to purchase an investment property but currently own my home so my debt-to-income ratio is around 20%. 

It's easy to say "Hey, I got $35k in my account, I could pay off everything and have zero debt", but then I'd have no income from the investment. 

She now works for other firms in the Houston area.Our short term goal is to start out with wholesaling to pay off some debt and build up our savings.

Depending on your available income and debt to income, you may not qualify for many of them. 

Although, ideally I think I'd retire any and all real-estate debt at that point, hold what I'very aquired, and do more fix and flip.Regarding campground/Tiny Home, island property is an entity all its own, with added layers of regulation, etc.  

I was single, debt-free, with plenty of time on my hands and just enough money to make my first purchase and grow from there.

of course income debt ratios have to be considered