Hi guys I've got an opportunity to purchase a home, I have the down-payment but the lenders want more income.All I need is someone with a decent income to supplement mine, only needs a credit score of around 600.

I do plan on living in the home for at least 5 years, but beyond that, I would use it as a supplemental rental property, and I’m more focused on comparing the pros/cons of things like investing in a more expensive hot neighborhood vs a more stereotypical subdivision, condo living vs single family home investments, sellability/added value of fancy amenities vs extra square footage and space, and value of location- Easton sits at McKinney Falls Pkwy and William Cannon, and Addison sits off of 183, just barely south of the airport.I’m curious to see if anybody on here knows the area well (or specifically these two neighborhoods), and I’m definitely interested to see what investors and professionals on Bigger Pockets think of the situation!

That is something you get a RE license for and apprentice to some guy that knows what he's doing.I'm not slamming colleges, but I think they serve a better role to supplement skills as opposed to giving you the basic skills which you can get thru practice.

Obviously, you can’t withdraw funds without penalty, but this never concerned me as I have always viewed the Roth IRA as supplemental retirement income to draw from in my 70s. 

where can I find a list of disclosures & any other required supplemental documents along with the rental lease agreement in Northern California?

If you are supplementing with bank financing, the best deals are often the ones that need to close very quickly, and much faster than a bank can work with...this is where hard money or private money is a great tool.

:) I am looking for mainly long term investments where I can have a property manager manage the property and have supplement income.

Right now, you're much better off with a long term conventional loan versus hard money because if the economy tanks in the next 12-18 months, you don't want to be stuck with a high interest hard money loan (possibly with a cliff that you're required to pay soon), but no banks willing to refinance the deal for you.One option is to ask banks if they'll do a supplemental loan after you increase the NOI.  

B) sell it to get liquid cash around a minimum of $39k to help supplement our loss of income for the rest of the yearC) cash out refinance and continue to rentD) a better option that I haven’t thought ofWe are having a bit of trouble trying to decide what’s best for us.

I have the long term goal of financial independence with supplemental income from rentals.