But now Kamala is going to give 25K to people to qualify for a house, so a lot of brainless people will vote for her.

But now, you have defeated the reason for doing the  Subject To and have become a lender to someone who probably doesn't qualify for bank financing.

You can also do a standalone DSCR 2nd if you do not qualify based on DTI 

Thank you in advance Sorry to be blunt but if you just took your first mentorship that does not qualify you to be ready for your first deal.

It's a conventional loan and we can use 75% of the rents to help you qualify. 

If you qualify for a 600K 1-family, you should qualify for something in the 800-900K range in the Bronx.

They use your Canadian credit score to qualify you. 

DSCR for example has less requirements like (No income, No taxes) it uses rents to qualify.

If a property does not pass the self-sufficiency test, the borrower may not qualify for an FHA loan for that property.Using a DPA comes at the cost of a higher rate which makes passing the SST more difficult. 

Both are qualified but not heavily investing in income properties.