I don't even have a down payment!

Also, is it possible to use HELOCs toward down payments and still take out a mortgage on future properties?

So now I'm calling all the QuickenLoans and Loan Depot's of country and no one will touch it because: A) Its not my primary residence B) I haven't owned it for a year C) The private lender isn't reporting the monthly payments to a credit bureau so I don't have a verifiable proof of payment D) Been doing AirBnB, so no lease (if I wanted to get 2nd home or rental property financing)Solutions I'm aware of: 1) Most loan officers have suggested I call a local credit union, which I have done> The credit unions are concerned because it's not my primary and I don't have  lease in place with proof of payments via bank statements.

So our payment is $810 a month.

He’s getting 10% interest and gross income/mortgage payment ratio is very high + he’s getting cash flow sweeps every year so that the total loan amount is repaid in 3-4 years.

He said you can get a $10,000 down payment this way and if they miss a payment on time or violate the contract in any way by not paying, you can kick them out and keep the $10,000 they paid for down payment and do it again with the next person.

.), but I'd likely have to get a partner for the down payment, or just wholesale it to someone.)  

His payments are very minimal (less than $150/mo).

I would try to find sellers who are open to owner financing or pre foreclosures with some equity where you could take over their payments subject to the existing mortgage. 

I'd be able to cover the loan payment based on what I'm typically offered for a housing allowance.