The PI found that the person was not using my address and is using a PO box instead and has lived in like 20 diff places within 20 years and very checkered history that includes a bankruptcy.

To Jay's point, though, there wouldnt be an impact on your DTI based on your numbers. 75% of the gross rents can be used to offset the debt to $0 until the operating history is reported on a tax return, so if the rent is 65% higher than the mortgage, then the impact to DTI will be 0 until next year when 2025 tax returns are completed.You could try to find a DSCR program that allows you to become a partner of the entity after the property is bought and financed, but this will require significant trust in your partner and may or may not work from a financing perspective.

Example, a short pay history - non-redeeming factor, a 25% down payment, a redeeming factor to counter the short pay history.

The limits are not high at first, but they can build with good utilization and payment history.

Verifying last 2 years of rental history very important!

Very little documentation requirements, no income requirements, etc, just need to have on-time payment history for previous 12 months, and be lowering your interest rate at least .5%. 

Reach out to @Tom Gimer at Eastern Title 

Once these type investments develop a history, I can see a market similar to peer to peer lending where default rates become standardized and known.  

This flip makes a cool story to tell with the history and you falling lol.

.), Either a US credit report or credit trade line history in your country of origin, US Entity documents (EIN, Operating Agreement, Articles of Organization,), 2 months bank statements for proof of closing, and 6-12 months reserves on top of closing costs and DP.