You would need to do a detailed write up of both you and your brothers situation to get any useful info from here.  

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Have you obtained any detailed cost/benefit analysis quote?

Feel free to connect with me and send me a message if you'd like more details.

Verifying last 2 years of rental history and income extremely important to find the “best of the worst”.Make sure you understand the Class of properties you are looking at and the corresponding results to expect.The City of Detroit has 183 Neighborhoods we’ve analyzed.DM us if you’d like to discuss this logical approach in greater detail!

Without too much detail I had to quit my W2 job 2 years ago to care for my disabled son and my wife is still working.

I’m hoping that once I do have enough saved I can buy the second property and continue house hacking.Something like this: https://www.realtor.com/realestateandhomes-detail/2574-W-Fai...? 

Can someone explain the details of selling a house to a child?

I don't know if this is actually in an A or B neighborhood, but would a duplex like this interest you: https://www.realtor.com/realestateandhomes-detail/116-Regent...?

38116 and 38118 are the areas Im referring to and I have a Podcast where I break down the stats and all details of those areas.