I would check with a broker (one who has access to many loan programs vs. a bank who is limited to their own). 

Landlord didn't want direct deposit because she said the program was not real and might have tapped into the apartment complex bank account.

Seems it may be too good to be true based on their requirements/loan programs. 

I have signed up to join a cohort through a program in my town, because I didn't know anything about real estate, but that doesn't start until February.

After reading up on the different loan programs, Im thinking the best financing program would be the DSCR...which I like, but was told comes with a higher interest rate.2.

Do you have any recommendations of a reputable program? 

Visualizing Reprograms the Nervous System to Attain GoalsUsing mental imagery helps to program the nervous system, and impacts attention, memory, motivation, confidence, and self-mastery – all extremely important factors in achieving what you want in life.

I am very excited to be a part of this program and am studying day in and day out to build long term wealth!

It CAN also be very lucrative.stick with your w-2 work for a bit longer and save as much as you can seek out and find a producing real estate agent who can be your mentor in this process - join a good team to begin with...starting part-time as a RE agent is not easy or often recommended - but it CAN allow for that training and transition period...find a great lender who can actually tell you what various assistance programs are available to you.

In many loan programs you are allowed to count it as income, to help offset your debt-to-income ratio.