I want to be a investor buying and holding as well as fix an flips.

If the rental income doesn’t sufficiently cover the debt payments by their standards, they’ll limit the loan amount, even if the property is worth more.You could try a few alternatives:•Look for lenders who specialize in commercial real estate and have more flexible DSCR requirements.

We currently have fixed interest rate at 2.85 on one home and 3.25% on the other 

Quote from @Jacob Molina: Okay, so with that 3-2-1 would the final year of that or end of that the rate be fixed or could it go up any higher?  

Once I have fixed it up and rented it out, I can make seller finance payments to her.

One great thing about fix and flip loans is that there is no early payoff penalty, so the original lender's commission is not at risk!

Quote from @Daniel Tanasa: Another option is to get a small cash out refinance from the house you plan on fixing up, if is in financeable condition, and use that to fix it up, while still cash flowing.

I have never been disappointed and have actually thought he pays an extreme amount of attention to my needs for the price he charges.

Quote from @Christian Solis: What business entity should I should I structure my fix and flip business and what are some tips I should should keep in mind so me and my partner are protected ?  

Fix-and-flips and new builds are always exciting!