<prompt> Human: Ok lets preface with some details about me. Im 22 living in Philly, have a good paying job as an actuarial analyst, and have a respectable amount of money saved up for long term investments, enough to finance about a 20 down payment for what Im looking into. Im currently renting as I just renewed my lease last June, but am very interested in trying to own a rental property. I would also consider to buy my own home to live in but it isnt worth the early termination penalty fees from my lease.So I got a phone call yesterday from a lender to talk to me about my details and what I was looking for. It seemed like the lender couldnt really take me serious because of my relatively early position in the workforce and because of the age Im starting to look for a rental property. Firstly, the point of wanting to own rental properties is to be able to advance my goal of financial independence forward. I know it is not necessarily easy, but Im always up for this kind of challenge and the learning opportunities it will bring. Im not sure if she has much experience with investors with these kinds of goals, or does not believe this is a wise decision for my age. Either way, I felt a little offended because these are my goals that you may not agree with, but this does not affect her. I have all of my stats in line credit score, annual income, liquid assets that would tell her that I would have no problem making payments. What are the best ways to handle these kinds of interactions? Am I being overly sensitive? Are my goals really this over lofty? This was my first jump at getting started so I dont know how this situation would be handled by other lenders.  <response>: Youre 22, I assume you are new to the work force?The reason why no one is taking you seriously is because they need to look at your income history for the past two years.If youve just graduated and started working recently, you probably cant get financed, so unless youve got a 100 payment ready they know its not going anywhere. 