Of course we get the FHA loan or use conventional to avoid PMI.

I can be a bit overwhelming when I get excited... so of course I want to give her ALL the books and send links to ALL the blog posts I like... but that won't work the same with her. 

Before I had not the credit nor financial means to embark in Real Estate, I'm in a much better position now.

The IRS has 30 days to credit the taxpayer account after they’ve received form 3115.

You may get a better rate, but its not worth the risk, IMHO.For fix and flips you need to use hard money, a construction loan, or a line of credit of some sort.

@Jason DiClemente I think you're being too generous about  them not caring about personal DTI. as a first multi and not much history, personal financials will be an important factor)-credit score doesn't get whacked too bad after your credit utilization goes way up-have 6 months of reserves, and maybe more -property is profitable to support both debt servicesthen you can probably knock this out.

What We Learned–By The Numbers Over the course of a two-week period in November 2011, 50 participating agents made 6,264 phone-based cold calls, collectively.

Your best course is to either not respond or just be honest.

Make the owner financing offer the most attractive.The #'s that I put are for example of course so don't get caught up in that. 

Try Alliant or Aspire Credit Union .