all my interactions with Scott have been positive (forums and in person).Final item is as is traditional they announced location of next BPCon after final keynote.  

I assume the rate on DSCR loans are slightly higher than traditional financing or home equity loans, is that correct?

My primary residence also has an apartment I am preparing as an STR. 

House hacks are not like a traditional investment property and admittedly a little more emotion will play into whether it's going to work or not for you.

These are my primary source of income.

I have a personal HELOC on my primary home. 

I think I would work towards positioning him to be successful in a typical job, build savings, and position him to be able to do a more traditional purchase.  

Not to mention it could be a challenge to get traditional financing because even though you're debt free without a high enough paying job your debt to income may still not meet their criteria for a loan that large. 

They were members of a Christian church when my father was alive.Their real estate portoflio to include their primary home is worth 6.2 million, and their passive income rental brings in over $240,000/year.

Also, consider living BELOW your means as you clearly overspent on your primary residence which is a common scenario unfortunately.