Based on the information you have provided ....NONE!
Do you have a job...now things are looking better.
Do you have assets like stock, savings, getting better.
Does your income meet and exceed the payment required?
Been working in this filed longer than two years?
Will you have sufficient skin in the game?
Have you stuck it to a lender in the past?
Are you considering a Big Bank, portfolio lender, hard money lender?
Tell us more about your JV partners.
As an investor, do you have a track record? Case studies? Anything?
Freddie and Fannie have a tendency to make your objective difficult. Conventional may not be the word you wanted to use.