Please reach out if you would like to be added.

The renovations can be added to basis and they'll be depreciated once it's back in service. 

I understand that these can't be added to the basis for depreciation until we rent the portion of the building we are improving.

My bank says I have the numbers to do it but essentially I’d be adding another 140k to my current mortgage. 100K to satisfy the second and 40k to invest. 

If it's a multifamily and you're getting it with an owner occ loan (FHA "house hackers"), rental income from the other units (ADUs excluded) can be added to your income.If it's an investment property loan, generally rental income from any/all units (ADUs excluded) can be used to offset the PITI, wiping it entirely from the "debts" column if it's cashflow positive.

After two years, you can obtain a lease for your half of the duplex and that new income will be added to your DTI.

A few ways that may help increase your reserves would be an FHA 203k loan or equivalent lending program which would allow renovation costs to be added to the loan.

And then put a "To be added to my quick close cash buyers list respond with your email address or 'BUYER'S LIST' all caps".

@Tyler Gibson let me know if you are not in the groupme chat and I will be sure to add you, if you would like to be added! 

But to be careful who would be added as the other person because a puppet person may not stand up in court.