Also <most times> adding a extra bedroom but not adding sq ft doesn’t help much on ARV specially currently being under 1,500sq ft.

Although I am outside of my comfort zone and feel like an absolute tool (I'm lost and that's uncomfortable), my faith, drive, and want to achieve my family and life goals continues to motivate me to get outside of my comfort zone and push for continuous improvement.  

We budgeted $100k and that’s our goal but have extra just in case something pops up so this $120k is a high number.

But maybe you have a motivated seller on your hands nobody else knows about.In any case, I wouldn’t but anything that has an ejido title.

Quote from @Zachary Ware: A PadSplit can be very heavy in CF but be careful if you are renovating a house and adding extra rooms.

Just pick a route, get extra liability and focus on growing. 

I'm not looking to step on anyone's territory, rather wanting to help people that are in distressed mode because they are losing their home, are whatever the reason is that they are motivated to sell. 

Your argument on market motive, to be true, would mean Super-8's would be doing gangbusters, and there not.

I don’t have any debt besides my mortgage fortunately or unfortunately however you look at it, and I’m not opposed to using my extra funds to buy down my mortgage but I’m afraid it won’t lower my DTI quite enough.

So when I was getting closing to signing on the load it cost me %.5 extra in interest because the property wasn't occupied.