Lenders will not consider your personal DTI to qualify.

@Ben StanleyI would assume you get zero revenue from anyone else and be able to afford the home yourself by getting qualified at a local lenderIf you are solely relying on someone else as well without a reserve your level of risk just increased significantly

The study identifies with forensic engineering detail the immediate Bonus Depreciation 5, 7 and 15-year personal property class lives qualifying portions of a building that are normally buried in 27.5 year residential or 39 year commercial categories.If you have had a cost segregation study performed on your property within the past 10 years, have you evaluated it recently for additional benefits that could be obtained?

You might also qualify for the de minimis one that you mention since it is line item amounts 2,500 or less.I don't see this as strict adaptation, and nor would it be betterment or restoration.

I would qualify it with in today’s seemingly rate decreasing environment, I might look to trying to recoup costs in 12-18 months (or less) 

BUT there was no upward limit and so high income people were able to qualify. 

If a title company handles a subto of an FHA loan without qualifying the end buyer under FHA regs, the title company could be forever blackballed from closing federally insured loans.

I'm assuming she just doesn't qualify debt to income for 2 mortgages.

I always make sure that my clients qualify for the "take out" financing (long term refinance) on the back end BEFORE I get them into hard money/private money so they are not stuck holding the bag with very expensive debt. 

I highly recommend a well-qualified REALTOR who works with investors and knows how to help you best.7.