Now how can you qualify: -your employer can write a letter stating you are or transitioning to 100% remote worker, if this is allowed;-obtain a transfer letter with your current employer-you can get an offer letter with a new company, letter must be non-contingent, and a guaranteed salary.There are definitely multiple possibilities.

I highly recommend a well-qualified REALTOR who works with investors and knows how to help you best.7.

I highly recommend a well-qualified REALTOR who works with investors and knows how to help you best.7.

If you truly qualify as a RE professional you would want to do everything on Schedule C.

Don,,  Its hard to qualify success or failure as an agent..

Do I have a shot at even qualifying for a mortgage with that income?

DSCR is for when you can't qualify on your own and want the rent to be the collateral (in very general terms) and when you are house hacking, you want the low money down.

So the question is, does your rental activity qualify as a trade or business or just a passive investment? 

Imagine we reach a time where interest rates are higher so it is harder to get qualified, your HELOC balloon is coming due and they will not renew.I'd put in place some permanent financing on you long-term holdings.

It is very tough to finance these because most properties and borrowers do not qualify for the financing criterias on a competitive CRE loan.