I have excellent credit.

They agreed to owner financing along with a credit check; they want to know my terms?

- What type of credit do I need to get a mortgage loan? 

I have around 25k in cash and I have around 680 credit score (currently improving) with a part time job (20 hours/week).

My main lease prohibits washer/dryers in the units unless we give written permission (which would be the addendum).Here's what mine looks like:THIS ADDENDUM IS HEREBY MADE A PART OF THAT CERTAIN LEASE AGREEMENT EXECUTED ON _______________ BETWEEN _______________________ (“Tenant”) AND ______________________ (“Landlord”) Rental Unit Address:This agreement serves as consent from the Landlord to permit Tenant(s) to attach and use a clothes washer and/or dryer within the aforementioned rental unit under the following conditions:Any damage to the Premises caused by water originating from the washer and/or its connecting hoses will repaired by the Landlord at the undersigned Tenant(s) expense.Tenant agrees to regularly maintain and clean lint/debris from the dryer unit itself as well as attached ducting.

@Brian M Sweeney I just formed all this a week or two ago and have all my accounts and credit cards in the first businesses name.

However it states that the 2013, 2014 and 2015 taxes have been forfeited which I assume means sold. 2016 says no taxes sold.My brother is a massive degenerate and loser, his credit is already destroyed and he's filed for bankruptcy and owes over 400K to the IRS.

Income way more important than credit. 

Congratulations on getting yourself to the point where you know you want to invest in Real Estate - and also with a good amount of cash on hand for someone only 20 years old.Depending on your credit and job history, you could qualify for other type of loan programs, too.

I figure my credit card statement retains the transaction amount, so I figure that will cover me.