I'll be graduating from a Masters program this spring and am planning to start investing in SFH or small multifamily once things settle down. I have $400k in funds but because I've been in grad school, I don't have much income, but I do have a credit score above 800. My plan is to have my mom co-sign on loans with me. She is happy to do this and has an income of >400k a year and >3 million in assets. I plan to purchase 4-6 properties in the first year or two with a total value of 1-1.5 million. I live in CA and plan to purchase out of state. How hard will it be for me to get conventional financing in this situation? Any insight or advice would be much appreciated!