I have a dream... lenders lend.

[Jose Guzman]

California dreamin'? Do CA lenders exist for first time buyer/investor? We've (the wife and I), been trying to find lenders in California to help us start our REI career. What are ways to approach a lender and dissuade them from the stigma of, "first time buyer/investor" and help us with funds?

Sinopsis:

1. 720 credit score

2. $0 in reserves

3. $20K DP

4. Work for BNSF; railroad conductor

5. Need a home for family

6. Need to get out of “rat-race” ASAP

7. Oh, and I live in Southern California

Gracias.