@Paige Corsello...You could call your bank contacts and find out if they are broker friendly.

Most land bank properties, Detroit or Wayne County, are trainwrecks and cost more to rehab than they are worth - unless the market keeps improving.Be careful on the next one, but keep improving Detroit!

Quote from @Victor Correa: Have a deal, subject to mobile home with bank lien, Not payed off, Seller just bought 2 years ago & I am taking over but reading about the title transfer need consent from lien holder.

When I tried to get it when my side of the family found out and tried ti take over reverser mortgage payments to bank because she had died it was to late so they sold the house to Hud and then other reverse mortgage companies but a relative still lives there so they can't kick them out.

So, by transferring income from a rental schedule E to a business schedule C you're creating a significant extra tax.

IF you have super strong income and you and have a lower 1st lien, lots of equity - MAYBE your best bet is using a local bank or CU to get most competitive HELOC inv terms.

I then went to the bank and mortgaged it for the same $30k at 8.5% over 20 years.

If you walked into a bank, your pre-approval would likely never qualify for a house hack duplex.Did they count 75% of the expected rent towards your DTI? 

Our strongest case is that our bank appraisal says it should be much lower.

@Kayla Elliott  Hi Kayla - this was a commercial mortgage loan with a local bank, that held it "in house" after it was issued.