If I have a boyfriend and girlfriend who are both applying to be tenants, one qualifies and one does not (low credit).

I don't qualify for any more conventional loans so now I need to go the commercial route.

Bait and Switch is offering a loan program knowing that will not be the qualified program.

Future rental income is not able to be used.Keep in mind that retirement assets (401K, IRA, etc) are eligible towards reserves, and so are any other investment accounts.Rental income is only used towards the income portion of qualifying, not towards assets.Hope that helps. 

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.

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.

You qualify as REPS already, so any rental investment can wipe out your taxes.

I have one small problem I need help solving.My question is what are my options on qualifying for a loan if the property is more than what I qualify for?

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.

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