Sterling,Each lender is different on how they calculate income and also what overlays they have that can cause a bad income calc. 

Credit cards have the same limitation on the amount you can borrow and will likely end up costing more than private lenders.

@Dan GroveAs a private money lender I agree with Nicholas' sentiment.

Here’s what made a difference for us:🔹 Mortgage Relief – Many lenders offer disaster relief options like payment pauses or loan modifications.

you might be a great guy who's going to keep your lenders whole even if you get upside down. 

Out of curiosity, have you talked with your lender about this?

I'm happy to share my experience as both a lender and investor.

Private Money Loan: Private lenders might be a flexible option, especially if traditional routes don’t work.

My conversion rate was higher because they kind of look like a wedding invite.In regard to lenders, join meetups and local facebook groups and ask for referrals.I’m doing larger commercial deals now and found I wasted a Ton of money on direct mail.

That would almost always be from the same lender who has a 1st AND 2nd on the property and they are just fed up with the owner and are taking the opportunity to get out of a bad situation entirely.Sorry, it's complex enough that it isn't a 15 minute class.