If you are looking for a loan product without having to use your personal credit, then a DSCR loan option may be for you.

This loan product has a VA inspection during your appraisal (nothing scary).

Smaller banks may have more flexibility for other products should you need them down the road. 

Nobody has a "right" to use a specific product or service.

I’ve purchased 1930’s through 2010 built product and the older product always has more issues.

Tenant just moved out, cleaners found they used the wrong type of cleaning product on the stainless steel appliances, causing a permanent discoloration. 

@Matteo GirlandoWe have a DSCR product available to first time investors.

Just a piece of advice if you do elect to pull some cash out is to stay at 60% loan to value. 60% loan to value for most products will get you the best combo of rates/costs on the loan. 

It's all about personal relationships with productive agents.

How much it will affect your DTI depends on your existing debt obligations, income, the mortgage of the primary home you want to buy, and the mortgage of the house hack property.I recommend using the 5% down conventional loan product to house hack and only use FHA if you have to since there are more restrictions involved.