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

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

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

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.

This method is particularly relevant if you're in a market with high rental demandI would like to know the appraiser who valued an ADU using income approach for a conventional loan.  

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.

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

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. 

Real Estate Market Predictions for 2025Single-Family Homes: Prices will likely remain flat due to homeowners holding onto low-interest-rate loans, causing fewer properties to hit the market.