Lots of GREAT posts here, with a goldmine of information by way of experiences provided.  

I was going to take the FHA route try to get a unit property, but my problem is my DTI is high due to my student loans and a car payment so now I am a little discouraged on how I can get started and also get funded my Linda informed me that I can use an alternative person for the income, but I don’t have no one to use it just me and my income is not good enough so I’m not sure on what to do as far as breaking into Real Estate  I feel like it’s just not going to happen for me 

There’s a lot of valuable information out there without spending thousands of dollars.

In working on construction loan financing, the lender informed me I'll need to unencumber that portion of the property (makes sense) before closing on the construction loan.I understand there to be two methods generally speaking: refinancing my mortgage and removing that portion of the property in the process OR attaining a partial release from the lender to remove that land.I *strongly* want to avoid refinancing as I have an amazing rate, but partial releases seem complex and also require a survey.

Your best bet is to read information from public blogs that approach both options objectively.

Thanks for the information Doug!

Beneficial Ownership Information Reporting (BOIR)Have you heard about this?

I wrote the above for informational purposes.

Please note the information provided below is a layman's definition designed to provide a basic understanding for the general audience.

@Natalie CaoWelcome to the community and be ready for a huge amount of information at your finger tips.