We are able to add some of the expenses back to your income.If that is not enough, we can do non conventional (Non QM), and once you establish 2 years anniversary as self employed, we can use 12 months of bank statements.

Make sure to check local laws on separate non-relatives living together, I doubt 3 bedrooms is a problem.

Join a mastermind real estate group or community, or find a local real estate investor expert.

Become an expert on co living - guys last name is Wegert but he has been on BP.  

I agree with the overwhelming sentiment here that it's a bad idea... however, what about a non-alcoholic wine?

A Banker is considered a non-depository banker, meaning they offer mortgage loans but no depository services.

I’m frustrated and getting mixed suggestions from family/friends who think they are experts with no skin in the game.

At one point (it's been a few years since I delt with this) there was a nationwide advertiser (high ranking on Google search) that had contracted with the low cost provider in Denver and had a non-compete clause.

Positions you as a thought leader or market expert.

With the Self Directed accounts your leverage IS more limited, but ALSO your risk is reduced due to that lower leverage and non-recourse type of loans.