DCSR loan qualifications are based off teh property's income, not yours personally.There are lenders out there who will provide short term 'bridge' debt to rehab prior to cash flow. 

Thanks for the response Tyler, only issue is, financing is provided based on the deal, and this is where I'm stuck. when you say have the financing ready to jump on any good deal, I hear you and agree with you, but like I said, debt or equity investors would want to see the deal first before signing any agreements.

Hi Art, when buying real estate in a Self Directed IRA it's typically recommended the property is paid in cash and holds no debt.

In the meantime, we have been buying properties with debt from owners and others directly from the bank in Valencia. 

@William CoetGPs are signing on the debt, finding, managing and running day to day.

We've been working on debt, credit ratings, and redoubling our efforts to go from wholesaling to rentals.

It is probably one of the harder debts to collect. 

@Nikhil MascarenhasHow much debt on personal assets? 

THis is a scenario, its not a deal im working on, people sometimes have accidents or what not and need to get out of debt fast, i know this type of deal exist but i dont know the name for it.

If you have maturing debt on the property or need to deploy this cash elsewhere, I would try and see it through with your current lender & work toward a solution.