I have had some people offer me more traditional loans but at higher interest rates usually around 5.5% .

As a 1099 earner, most traditional banks will want 2 years of tax returns showing your income from your real estate business before they will underwrite a loan with you.Hard money lenders are an option, are expensive, and yes, in this market, hard to make the numbers work for a buy and hold rental.Fix and flips would be a big risk, depending on your experience, but are a way to start making money sooner. 

@Daniel HaberkostUnable to train anymore and unable to surf traditionally now, unfortunately..House hacking is something I’ve considered but being tied to Denver for over a year with the FHA occupancy requirements is not something that appeals to me knowing I’d like to move back to San Diego.

Our properties are traditional Japanese themed and therefore have a samurai armor, traditional Japanese wedding kimono, tea room, and antics here and there. 

Hey Gerald, a great tool to use is Remine it has some of the most comprehensive data I have seen in a platform.

They are much less strict than the traditional banks and base the loan primarily off of the collateral asset (your house).

My advice is find a platform you like to use that provides all the features you need to operate your business.

This is not applicable to traditional, long-term rentals. 

I was hoping I could use the platform to add in some diligence on quality, service and price.

I purchased home with a traditional 30 yr mortgage (4.75%).