Like someone else mentioned, FHA loans are good in low credit and high DTI scenarios, but tend to be less bang for the buck compared against conventional.

Keep crushing it, and feel free to reach out if you have questions—excited to see where your journey takes you.

My main Partner is Chase because gives the biggest limits great when it comes to building a relationship and getting BLOCs and other things also would recommend local credit unions biggest thing you always need to figure is the banks Cap of what they are willing to lend until they need everything Chase for example is 150k Citizen Bank if in area a great one for Blocs only require bank statements to calculate how much you can qualify for.

This is the max it seems most "A" lenders will loan too, I might get 50% from a credit union but that still probably not help in the short term.How do people keep going?

It's not free, you have to spend your precious time to do this.

Feel free to reach out! 

The deals not going to get better because of the questions you ask, but we look for three main things from an investor: 1) Liquitity/Financial Assets, 2) A good credit score, and 3, and this is a big one, Experience.

Quote from @Jaycee Greene: I completely understand and I'm sure my fingers are a lot fatter than mine ;-) If you only borrowed $155k, I assume you did a conventional bank or credit union DSCR loan, is that right? 

You’ll want to check with local credit unions or smaller banks since they often have more flexible HELOC options.

Interest rates and cap rates change, competition changes, your PM ends up being horrible, lots of variables.Just to throw you a monkey wrench, in your killer spreadsheet does it include the credit score, income, and employer of every resident?