While institutional lenders would probably need a number years proof of collections before considering the income from the wrap, private lenders, such as myself would look upon the situation more favorably.  

Quote from @Jay Hinrichs:Jay, it does look like one of the strategies of this 711Rescue is to restructure the loan for their clients, but at 2x DSCR!

Had a good conversation about his assets in the area as well as the situation with the property.

Where another issue arrises is I recently quit my job after becoming pregnant as they would not cover my maternity while overseas, my husband is employed however he works for a UK company and is British so would be unlikely to help us with the situation in the US.

This is why I use a loan broker...I want his experience with who can do what they say and who is a delay. 

Instead, consider a HELOC or home equity loan to fund repairs, as the interest may be deductible if used for home improvements.This post does not create a CPA-Client relationship.

Hey there @Michael Labudzki - Can you help me understand your situation better...- Do you have 200-250k cash, or is that what you can get with your loan amount?

I'm digging myself out of a bad financial situation.   

If you Bank/Lender does not allow it you can refinace the mortgage into a DSCR or true Portfolio loan program. 

No two situations are ever the same.What’s a challenge you had to get creative with recently?