Hi Eric,So you dont have cash, you are not qualified to get regular loan, so most hard money lenders will ask you to put some money down, so it is not an option either really.You should try wholesaling or try to get subject to deals

You would be able to qualify for a lower downpayment amount and lower interest rate if someone on the loan is occupying the property.

They do require experience - I think you need to have at least 3 experience points to qualify if I remember right (rental properties owned or fix and flips completed in the last 3 years). 

Added a bathroom, making it a 2/2, then opened it up to less qualified buyers by offering financing.

Added a bathroom, making it a 2/2, then opened it up to less qualified buyers by offering financing.What was the outcome?

Hopefully, soon so you can issue 30-day nonrenewal notice.If lease has months to go, then you'll need to find a lease violation so you can terminate early and evict if necessary.What you've described so far does NOT qualify for a lease violation:(Having S8 involved may complicate things.Read your lease and look for potential lease violations.

You can qualify with very short work history or use schooling so if you were in hs or college and even if you didnt finish yet that school time can still  ount, Message me to sed some FHA options, also look into syndication, or commercial loans, or seller financing the sky is the limit

Work your butt off to get that down payment and be able to qualify for a loan.

I have a great credit score but I don’t have two years worth of tax returns to qualify for an fha or conventional loan.

It is almost a requirement in this market to offer a high DD, so it’s important that you know the status of your ability to close a loan - get pre-approved not just pre-qualified.