Urged them to make a withdrawal and pay the tax penalty because this program, training, education will change their life.

No reason stated I had great credit score cash on hand excellent properties.

One caution when using crypto to acquire property is being aware the tax ramifications are identical to if you converted to cash first.

On top of that there was an $8,000 tax credit, as an incentive since people weren’t buying.  

The banks/credit unions said I needed 6 to 12 months of ownership to get refied. 

I'd estimate your cash flow after you pay the loan payment would be $600-$800, which a lender that understands investment real estate should give you some credit for on your DTI.As for a bank, I have a specific lender at NBI that I would recommend.

Hi Kin,Transferring your share of the property to your brother may have tax implications, including gift tax if the transfer is considered a gift.

During escrow converted it to a Roth and paid the taxes.

Secondly, the homeowner would need to cooperate as she would need to submit a bunch of paperwork including income statements, tax returns, etc. for the Short Sale application to show that she is insolvent.  

For example, this investor that I met recently said not to buy properties at tax auction for 100+ different reasons.