My wife and I both have credit score over 700.

Otherwise, you'll need at least 20% down (typically 25-30% down but some local lenders will only require 20%), but to @Mark Bookhagen's point you'll want to call around to a few local banks / credit unions and see what they would want to see from you and what they would typically charge for origination fees etc. 

Lastly the days of 15% plus points are long gone unless you are looking for 100% financing or have horrific credit. 

Interest rate can be anywhere between 4.5%-7% depending on their credit.

Lease docs, contract docs for when our clients buy/sell houses, anything we need signed is done through there.Giving tenants the ability to pay online or with a card.

FHA= 3.5% (1-4 units)Total= 8.5%The most important thing you need to do right now is starting preparing your credit.

If your lender will not give you credit for your rental income there will be others who will.

I am a first time buyer, have excellent credit and great income. 

It has to be a cheaper way than just buying rolls of stamps for hundreds of post cards.

Plenty of others prefer credit unions 🤷🏻‍♂️