He had a tax credit and they didn't apply it and then because they didn't apply the credit they claimed he owed money and then charged him late fees.He tried calling them NUMEROUS TIMES and waited hours and half the time his call was somehow dropped. 

Use a DSCR loan and cut those docs in half or more.

I have house hacked 2 single family homes in Colorado Springs, moved out with both rentals cash-flowing very modest amounts annually, and am actively looking for the next property around Allentown, PA.My 2 options: Add to my portfolio and House Hack for the 3rd timeI know that house hacking will be the easiest barrier to entry around a big down payment, has the chance for a lower APR with a primary residence loan, and I am comfortable using this strategy as I have done it twice in the last 3 years.

DSCR would be the easiest route and then you can rent all the units instead of living in 1 and cutting your cash flow to 2 versus 3. 

Two of those properties ended up as LTRs which also made decent returns so I'm not a total newbie to real estate.So I've got three projects I'm looking at that will affect timing etc.1- My wife and I are currently more than half way through building a new primary residence house north of Asheville, projected completion in October.

As you scale up and lose the ability get traditional financing due to high DTI, DSCR is the easiest transition to the next step. 

I think house hacking is the easiest way to build wealth over time and I would hate to see you get burned out on a riskier investing strategy before you get started

If they hold for one month, my fee is half covered, two months fully covered, and if it's longer, I'm making a profit!   

I am trying to decide between doing the BRRRR method while living in one half and renting out the other or building a duplex from the ground up.

@Logan M.One of the easiest checks to write is for drain auguring and sewer clearing.