HELP! Should I pay 15k to maybe get access to 100k?

[Daniel Devin Jewell]

for the past three years I've been building other people's deals been saving a bankroll but as everybody knows it's kinda hard to save so I need to make moves.

When you get down to it my debt to income ratio is high.

My thought is to refinance my house. It's at 6% on 115 K and then get a HELOC on the remaining equity, arv is around 250k on the high end.

But my dti is high so I was thinking about revising my previous years tax returns and paying around 15K to qualify for the loan.

I'm not over extended I don't have any debt apart from my house and my car payment and I'm saving consistently.... Just slowly haha

I don't want to sell and I don't want to do a Cash out refinance.

I thought about asking my dad to co-sign for me.

he is a high income earner and has disposable income.

I prefer not to,,, you know the whole do it by myself thing.

does anybody have an idea of how much a signature is worth like a dollar amount?

Does anybody have any thoughts on this situation? or have any questions??

I'm looking to make a move by Wednesday night the 28th