What type of loans are out there for self employed

Hello,
I am a self employed real estate agent new to business, I havent made lots of money but my credit is fair 650 fico. Are there loans out there for me to buy a multi family, and does that mean 25% down. Should i be looking for partners or private money. But then my question would be how long will it take to refy and take to partner off the loan or refy away from private money to get a better rate

greatwiseone,
You need to call a lender and ask that question. Because it’s one that your buyers could ask you, and you are now the expert in advising buyers. That is your job.

I believe you need a track record of 2 years’ income, verifiable by tax returns, in order to buy when you are self-employed.

Furnishedowner