My current tenant is very solid with way north of 3x income to rent and fairly clean credit but had to move for a job.  

You need specific numbers for credit score, income, etc.

Since you’re dealing with a younger population that doesn’t have higher incomes or credit you will want a co-signer for each person.

I have a stable job making around 70,000 with good credit.

I have access to $20-$30K for downpayment etc. 800+ credit score, a good paying job, and need to find a local REI friendly lender to not only lend money but perhaps even lend advice on best ways to get my 30K to work for me.Property under agreement is in Des Moines proper but I will be looking to buy in the surrounding communities to the south as well (Indianola, Norwalk, West Des Moines, Carlisle).I could go to a big bank and finance this first house but I would like to start a long term relationship now.

It might sound expensive but this is off the books money and that carrys a lot of weight to me, not having my credit dinged or showing a brand new loan on my credit report bringing the score down when i go to finance it long term is a huge help if your financing in your own name.

I have a client who owns a commercial building outright can he take an equity loan against the building or equity line of credit to buy a residential property?

Will this affect my credit reports in any way?

I have a down payment and great credit but the bank seems to think my D:I ratio isnt acceptable ( Ive since paid off two student loans and a CC and my wife paid off her auto loan ).

Start calling around to local banks and credit unions.