I'd keep calling banks.

As for mortgage calculator, I find that scotia bank mortgage calculator to be straight forward and correct.Jason D.

I explain at that point that if they decide to apply for our property their paperwork will be tied up for at least 3 weeks, maybe more.  

I understand this would probably cut out bank financing for a while as a bank wants to see some form of steady long-term income coming in. 

Explain the transaction, they will know the process. 

I haven't had a bank or finance company distinguish between "business credit" and personal credit.

My issue is that once I put down the required 20-25% the mortgage amount is not feasible for the regular go to banks because the mortgage amount is too small and not worth it.

This is in the midwest area.The listing says that the duplex is occupied with two tenants who are interested in staying for the long term, and have a consistent payment history.I haven't gotten much information, but I'd say for the area, each tenant is paying 800 dollars per month.Now I am 21, and I have about 20k in the bank, and im willing to spend 15k for a down payment.

Biggest lesson learned is to have pictures of your TV and DVD remote controls on your phone, so that you can reference them when trying to explain to a guest how to use them. 

@Scott Royer you need to be very careful.They can't qualify with a bank which indicates they are high risk.