That is thrown around because a lot of self-employed are showing minimal income on their tax returns because they deduct everything.If that is you, then yes you should go the HELOC or DSCR route.

I did a quick back of the envelope calc on the beam and with only the weight of the beam itself and an additional 20 pounds per foot (very minimal load), it will deflect over 1". 4.

Spending the money you are talking for a system that will add minimal value is not where you should be spending your money for a flip. 

Our plan has been to establish a strong financial foundation of properties that provide very strong cash flow while capturing the high market appreciation (maximize returns while minimizing our risk).

If the house were minimally livable based on other prices of houses in the neighborhood, excluding the extra land what do you think the house is worth if you had to sell it?

He would like to sell the property while minimizing his tax liability, which ideally would be an additional land contract to our company. 

.- Consider liability protection: Look into forming an LLC or other business entity.Starting with cash is a smart move to minimize risk and learn the process.

Typically on an investment property purchase transaction lenders will require a minimal of a 15% down payment. 

Good to excellent credit scores are preferred for optimal vacation rental mortgage rates and minimizing down payments. 

Their job is to make sure the bank is covered and takes a minimal risk.