Great credit scores and plenty of income from my W-2 source. 

Keeping them in the loop could help avoid conflicts or complications down the line.Lastly, think about framing your case around fairness and practical impact.

Quote from @River Sava: Hey April - Refinancing after a year if there's limited equity depends on your goals—lowering your monthly payment, cashing out, or switching loan types.The process usually involves checking your current loan terms, appraised value, and credit situation.

This is fairly common when people want anonymity.

For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

@Ali Mol In a lease-to-own agreement, the $1,666 monthly credit should be treated as a liability (deferred credit) rather than rental income, as it is allocated toward the purchase price.

When getting a DSCR loan whose credit score is the lender going to use?

From my investigation a fair amount of time is spent on developing (private money)   

I use Stessa for accounting, I love it, it links right to my bank account/credit card accounts and I can assign purchases to different properties and units of the property for multi-unit properties and at the end of the year I have a simple report to give my tax professional 

DLP lending fund and DLP preferred credit fund = In solo 401k (roth or traditional) because they are tax inefficient.