Hello all, I am a home health physical therapist, and I am on my way to earning a degree in healthcare administration.

I understand that the duplex is a "business activity" but you own it personally so the financial accounts associated with it should be personal accounts. 

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

This will show you various strategies and the risk tolerance associated with each of them.

I am a Licensed Real Estate Associate Broker in Colorado who has been reading everything I can get my hands on as well as running through scenarios with my employing broker.

Legal Aid of Western Missouri working for the neighborhood association.

You have the area experience and data to help you, but courthouse steps auctions are blind bidding (other than what you can find through the windows), all cash, 10 percent down at the time of close, and not always clear on all of the liens associated with the house (tax liens, HOA liens, utility liens, etc.). 

Took him years to get the approval because of opposition from a neighborhood association that a lot adjacent to a residential area will reduce property values.As others have mentioned, if it's just a matter of getting loans, I rather shop around for banks that would do it.

What will be more helpful is to mention those lenders that you are having good experiences with history of projects associated with the lending.  

Currently pursuing a graduate degree for which my company has reimbursed 100% tuition to date.