With the right preparation and understanding of how banks operate regarding these properties, you can potentially secure a deal that works for your investment goals.

Just as others have mentioned, a Debt-Service Coverage Ratio (DSCR) would allow you to potentially get an investment property without dealing with the income verification. 

One key advantage for both your owner-financed primary residence and potentially the single-family home, if it's not your primary residence, is the mortgage interest deduction.

Do you own the property or are planning this into a potential purchase? 

I understand where your agent is coming from, turn key properties are potentially less risky for beginners.

This is where you can really gain some sweat equity and potentially have better tenants over time.

I recently came across an interesting situation. My wife and I noticed a home being built sometime around a year ago. The home is finished part from the ( cabinet door and drawer fronts, countertops, baseboard, final ...

Ram's plan is to pyramid up as best can during these growth years, keeping any/all profits IN the investing action, to grow maximum dividend potential for when kids start university when Ram will "flip the switch" too a DIVIDEND focus. 

Then, potentially either straight up sell if the profit is there, or move into one of those units, take the leftover money, and keep doing this.Obviously, the numbers would have to make sense, and that's what I'd have to learn.

Since some of your clients could potentially be investors, you could start developing some relationships there to assist you down the line.