Another option is DSCI loans this just uses property rents to qualify not your personal DTI.

Are you interested in long-term financing options?

I am currently using Zillow to screen tenants and had the application option turned on so I have candidates who paid $35.00 for the Zillow application fee.

And are there non commercial options available? 

If you aren't a Real Estate Professional, I am not sure adding more to your portfolio, with the main intention being tax reduction, is the best option.

Memphis or Little Rock would be great options if you're looking for stable, slow growing areas that will yield more for you monthly.

There is an option to give equity, but I do not love that option in all cases. 

Kenmore, Bothell, Brier, and Woodinville all have great options.

The two most obvious options at hand are : A/ Accumulating capital through my job before investing in real estate B/ Asking for a bank loan that would allow me to invest sooner, saving time, after doing market research Which strategy is better, in your regards ?

Seller financing is a GREAT option if you can get a seller to agree to this (which is not easy).