Re-finance/ qualification for a loan

[Nemat Waseem]

I am a college student with part time income.

I couldn’t find any information with regards to this subject, so BP is my only hope !

If you do an owner finance or buy a property using hard money, can you rehab/fix it up and refinance to a 30 year traditional loan?

Would it be possible to qualify based on the rent the property produces and part time income ? Or qualification will still be based on a consistent W-2 income ?

I have great credit 780+

I have down payment + reserves

However my job is part time, my goal is to purchase my first duplex by end of next year.

Much appreciate those for advice and thank you in advance :)