Over the course of using Bigger Pockets I have had very degrees of opinions on who I should vote for concerning a post.When I first started using Bigger Pockets, I was too naïve to even think of voting for someone that took the time to answer one of my post.  

if you're W2 and full-time, hourly or salary, you should be able to go off your pay stubs for qualifying.

I have not personally tried the Wire feature though.I am an Accountant and use it and refer my clients to it as well, connect with me and I will look to see what the costs are to send a wire, they do allow free check and ACH payments if timing is not a factor.I had a client who used Titan, and as an Accountant I did not like it.

Can we set up a time so we can talk?

I am tired of wasting time due to wondering if I'm ready. 

I know its happened to me many times on props in MS we  had

I find that most of the time, paying points up front isn't worth it in the end.

@Ella Marie, I can't speak on behalf of your market, but in my respective market, competition is tough, and the successful fix-and-flip vendors are often full-time operating businesses.

.: In CA it is a violation of CSLB business and professions code 7159(d)(5) to execute residential time and materials contracts.

I do not understand your remark as related to the DSCR loan.  2 ADUs are not allowed by f/f conventional financing but is not always enforced.Fortunately if you stay with the current tenant without a refi, by the time you pay principle it is likely the rent will have increased enough to absorb the increase mortgage payment.