Would love to connect and explain some possible scenarios based on your criteria!

One last thing – we recommended you create a Status column on your spreadsheet, now we’ll explain why.

Can you explain how your company solves the partial note issue? 

If they know you, have spoken to you many times, and you have always been friendly with them, just explain your points, that there is no legal reason to deny your plans, and ask them what you can do to help get it approved.

That certainly explains why I haven't been finding any promising looking deals yet in those areas.

Go meet with your broker, explain what you want to do, ask your broker for direction on what you can do, how to do it etc..

So more Roth for way less in taxable income incurred. doing this is easiest in a Solo 401k if you qualify but can also be done using a checkbook IRA as well. check out this post that @Dmitriy Fomichenko made explaining this concept.https://www.biggerpockets.com/forums/51/topics/1223601-how-t... 

At any rate, I saw someone trying to explain how the @... works yesterday and I tried, but I really couldn't figure it out.

Depending on the loan product, you may be able to exclude business debt once the business has paid the debt directly for 12 months.The income and losses related to the operation of the entity will affect the income side of your DTI (like Jay explained) if you own 25% or more of the entity.

I  have a detailed reply above that explains it and provides the code citation to read as well