Some/many lenders don't like a 2nd mortgage behind their first (like the skin in the game), however there are both bridge or permanent financing options out there allowing you to leverage anywhere from 90% CLTV - 100% CLTV, but don't expect good terms...

However, these programs typically qualifies borrowers based on their income, such as tax returns.The DSCR would be a good option considering you and your husband are entrepreneurs and the tax returns don't look good on paper.

•If you qualify, you could use FHA’s 3.5% down payment to acquire a duplex or co-living property, live in one unit, and rent out the rest.

IF you can qualify for the $1million+ duplex downtown never a shortage of rental demand, but have to be able to qualify for that price point. 

You'll also need to know your rights because the Review Boards often try to intimidate owners.

On top of that, hiring tribal members for construction or operations could qualify for employment-related tax credits.

I was looking at DSCR loans because they don't require extensive checks like the bank loans and they "only" look at the income generated from the property to qualify for the loan.

Maybe it is ok if it is for you to live there and enjoy the amenities, but no need for you to pay high dues for a tenant to use the pool.Many condos don't qualify for FHA financing in Dallas. 

If she went to buy a house and applied for a mortgage, I think the lender would say the same thing aka you don't qualify until you get this removed from the credit report.

Hey Biggerpockets community,I'm an investor from Toronto, Ontario where SFRs are $1m, the landlord tenant board is a nightmare and cap rates are doing the limbo.