@Chris Kay beleive you can do DSR loans without a job as they qualify the property, not the borrower.You'd still need 20-25% down though.That's where you have a decision:- Pay down the mortgage, setting yourself up for a future refinance to free up your VA Entitlement.OR- Save up for your next acquisition.Only YOU can make that decision as you have to be comfortable with the increasing debt-load risk and the additional time to manage everything.

Current Financial Snapshot:• Savings: A solid mid-seven-figure amount currently invested in the stock market.• Primary residence: A 2-bed, 2.5-bath townhouse purchased in 2020 with a 2.75% interest rate.

Hello Federico, Congrats on having 300k saved up and ready to invest, that is a huge first step!

Washington is expensive and I’m at around $23k saved to start investing.

But, once you do build some wealth and have a high income, you realize how much you can save/make by owning the right real estate - numbers that far exceed any cash flow you might make on a property. 

We wanted a better DTI.Then we slapped a large heloc on it as an opportunity fund right before my wife quit her job for good.I would save the cash. 

Since they keep the loans in-house instead of selling them on the secondary market, they can tailor loan terms to meet your unique circumstances as an overseas borrower.If you have strong assets or savings, consider looking into asset-based loans or no-doc loans.

If you oversimplify it and take your total cost to close the deal / monthly savings = # of months to Break Even.

The amount saved can dwarf $6k.  

I have many flippers coming to me, asking for assistance to come save their projects.