Portfolio Loan needed

[Anthony Dang]

I am looking to start REI into some rentals.

Here is my situation: FICO: over 720.  I worked for Norm Reeves Honda for over 2 years and left on 1/15/2017 so i can pursue my mortgage career. 6/12/2017 is when i start with Loandepot There is a gap of 6 months in between even though I am still dong sales. 
2016 W2 shows gross pay: $122,500 2017 W2 from Norm Reeves : $16,800 2017 W2 from Loandepot: $46,000 Paystub YTD as off 3/30: $32,000 So that is my income situation.
  As for Liabilities: All credit cards are payoff monthly except 1 with a minimum payment $124 Car Payment: $786 Property Rental payment: PITI: $1220 rent collect $1400 Primary residence: PITI $2,181
  And here is what i am looking to qualified for: Rental property SFR (can be 1 unit to 4 units) in OH, TN, or GA pricing from 40k-100k.

Down payment 25% is not a problem   Please let me know what you think. Thank you so much

[Greg Scott]

Anthony:

I recommend you talk to a mortgage broker.   You have a strong FICO.  If they think the income gap is a problem, well that will resolve itself in a few months.  I would think you would qualify for a conventional mortgage.

Interest rates are much better on conventional than portfolio loans, so I would look first to go that route.

Good luck.