Can't qualify for a residential mortgage

Does anyone know of a program or a broker who has an alternative program which can help someone who can’t qualify in this market. I have an excellent credit score. I am really wanting to get qualified.

Besides getting owner financing, what else can I do in order to buy a multi-family unit if I can’t qualify?

Thank you.

You are very vague…

Why are you not able to qualify?

What kind of parameters are you seeking?

What about going FHA. Some of the lenders are still allowing alternative credit through that program. I am working on one now. Only had one tradeline, 3 deferred students loans and provided 3 alternative trades for at least 12 months. Got the client 30 yr 6% and score was a 611 middle. Had regular income and disability income. So try that.

When you say “multi-family”, how many units do you mean?
If it is 4 units or smaller, a portion of the rent will count as income for you and help you qualify.
If it is 5 units or larger, then it will be a commercial loan, and dependent on the income of the property and not your income.

My name is Ms. O. I have been trying to get a mortgage for a duplex or quadroplex but no one would qualify me. How can you qualify for a business line of credit and you don’t have any type of collateral?