Consider FHA loans for lower down payments and reserve for repairs or upgrades.

I’ve actually had a number of people exercise their option and get a loan and buy the house.

They can be sold to owner occupants that get a conventional, fha or Va loan.

Pretty much my first step should be work as a loan officer and then the rest will come to me?

HELOANThis takes second position and is a closed end loan, meaning it's given as a lump sum similarly to a "regular" mortgage.

From there, it's normal DTI/Credit/Cash assessment for the new loan to determine whether you can afford the loan. 

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Just do a 5% conventional for your next property.Not sure why you'd need to refinance out of an FHA loan only because you want to use a FHA loan again. 

However, the high down payment and reliance on a DSCR loan could limit flexibility, especially with your DTI constraints.