DSCR loans go up to 80% of the purchase price and depending on the Debt Service Coverage Ratio and your credit score you can expect rates on a 30 yr loan ranging from High 6%- Mid 8%. 

People who have service dogs (or horses, as these are the only 2 service animals) that are genuine have no issue disclosing that on the front end and can answer the 2 questions easily - is the animal necessary for a disability, and what specific tasks has the dog (or horse, if you're getting one of those) been trained to perform? 

Waiting until the 1-year period ends avoids potential loan issues and simplifies things.

Any advice on end of the year things I might need to gather is greatly appreciated.

I'm in "escrow" on a property in Kyoto which handoff should be completed by the end of next month.

I live in Lawrenceville, GA and am beginning my first house hack, working to purchase another property by the end of the year. 

Taxes are very high and everything is super slow and bureaucratic.

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

She has a charge off that expirian will not delete everywhere else deleted it so that blocked her from getting a heloc no 401k my dti is high because we used my cards What would u do in this situation?

That should be the policy of BP if they really care about their end users.