I didn’t sign because their aggressive desperation for me to sign up was a huge turnoff and ultimately it felt like they wanted my credit card number more than anything else (which I’m sure is the case).

At that time, my net worth was pretty low, and as an engineer my income wasn't substantial either so did not make more than 200k/year.

I was also happy with that as conventional loans at the time were at about 6%.Lowest rates possible will be in relationships with private money lenders.Lowest rates in the public market will be in the form of a conventional loan.Next up you have commercial mortgages that are usually slightly higher than conventional loans but don't have as strict of loan requirements as conventional loans do.Usually a bit higher in rates are DSCR (debt service credit ratio) lenders.

Rent in the area low end 1100 higher end 1200-1600It’s a D property on a B-C location.

I leaned the single family residences that are to my taste can only be rented to individuals with credit ratings of 700 or more.

I don’t have enough for a down payment but i do have quite a bit of equity in my home. looking for some insight on how i can get a low down payment or should i use my equity, plus funds to fix property. 

I have considered Nashville area...low taxes, more favorable laws, better cash flow and you still get some appreciation.

It's known for it's strong appreciation factor, low taxes, and also because it is a land-lord friendly state.Have you invested in the Cleveland or Columbus market before?

It won’t affect your debt-to-income ratio and won’t affect credit score/history.

you’re on the right track. just hang around this website & when you’re old enough go ahead & pay for membership at ur local real estate investor group in ur city- every city has one. google it. whatever you do start saving mad cash & get good credit. work hard, save the money & house hack. get a 2-4 multiple fam when you graduate high school with ur saved cash & good credit.