The company is netting 70-80K a year (This is split between my partner and I) so obviously this isn't something right now that I can live comfortably just yet to step away from my full-time job.

From a cashflow standpoint, I've obviously generated no return.

They've always wanted two years of tax returns.I know everyone says you "don't need anything" for DSCR loans, but I've always found that you... do.The key difference is of course that your DTI ratio plays no role in qualifying for the loan.I obviously can't speak for OP's experience and don't know who her lender is.

Yes, an entity can be appointed as attorney-in-fact for an individual.My concern about the above... an attorney-in-fact depositing the funds of the principal into their own account would be an obvious breach of fiduciary duty.

A bankruptcy hurts a credit score obviously but it's been long enough that it's highly possible he has built the score back up above 620.

Obviously they are able to lower their rates without loss of investors, because people (probably newer investors) are lining up to offer their (hard) money at rates as low as 8.25 percent.

But this builder has two specs 85% complete but obviously sitting there since he's gone bankrupt.

When I speak with the investors that I work with, we talk about investing for cashflow in growing markets where the appreciation is obvious.  

obviously sounds like you have the wrong PM.

The fire codes are obviously different in our states but if I were to build a fire escape coming off the third floor It would need to extend 10 feet past those windows before descending if those windows aren’t fire rated.