HI All/KarimDL hit it on the dot, Cincinnati crime is high I grew up there and when to Univ. of Cincinnati, it's ridiculous, there's no jail, cops don't care, before I graduated I did charity work in Over-the-Rhine i almost got shot back in 2000.  

Since graduating high school (15 years ago, yikes!)

We have good credit scores (740+), but we lack the employment history due to recently graduating college; will this be an issue?

I really enjoyed this post 😂 I dabbled with day trading a bit and will continue once I graduate college.

After I graduated high school, I went to college for a semester then dropped out (I wasn't really sure what I wanted to do). when I got home, I had got a couple of jobs, but I made most of my money from side hustles, so my taxable work history was very inconsistent. 

Lauderdale area with 2 years until I graduate.

I just graduated college and and started working full time so does that mean I have to wait 2 years before I can get a loan?

@Robert Lafrance Hello and Welcome..you pretty much described my life..working full time, graduating from college (3 weeks!)

Graduated with honors from a private college, no debt.

Investors generally “graduate” to DSCR loans after having a few investment properties under their belt since there are limits on the number of conventional loans that can be used for investment properties, DTI qualification becomes much tougher with a growing portfolio and the hassle and paperwork can become too much when trying to scale aggressively.