Ok.. where do I go now..

[Scott R.]

Alright.. so I moved to Amarillo, Tx from Tucson, Az.. seemed like a smart move as real estate is much cheaper and I figuered I'd be able to get into some rental properties.. Now I'm here and I dont know what to do next.. Do I get a job and stay here for a year to build up job stability to be able to obtain the houses.. Everywhere I turn I get turned down.. Basically im 21 and seems like no one will loan to me.. Credit is ok.. high 600's last I checked.. no negatives on the report at all. I DO own one property (a rental which is a nightmare) so I have one mortgage on my credit report.. think i owe around $24,000. My problem is.. Im working as a server.. just started as i just moved here.. but they wont even allow me to claim tips on mortgage apps till ive been there for like 2 years and thats just not realistic for me.. dont know where to go from here!? Theres several properties I'd love to purchase.. some even from people on this board.. and im talking $35,000 properties nothing crazy.. Got some cash, can do the 10% down, just need the other 90%! There are some owner financing options.. but were talking like 13-15% interest..? Do I attemt that? just scares me a little.. so im stuck.. where do I go from here?
any suggestions!?
THANKS!
-Scott