She did not qualify for a mortgage loan to build on her own so he became a coborrower which meant he had to be on the title. 

Leaving your W2 job can affect your ability to qualify for a HELOC.

I haven't done a deep analysis on Cleveland, Montgomery or Buffalo, but I would think they likely qualify at least for the type of long term, cash flow investing we aim to do. 

Hi John, could definitely be an issue as for DSCR loans the appraisal income is typically the number used for qualifying.

It will be harder to qualify for conventional loans (personal or investments).

Additionally, DSCR loans do not use DTI to qualify, nor do they report to credit agencies.VA loans and 203K loans also have their own advantages, so consider those options as well.Good Luck!

Also since DTI is always maximized with two primary to qualify, bank/CU gives my file an exception case.

If the equity is sufficient for the down payment and qualifying for the new property there are some excellent HELOC or even fixed rate second mortgage programs available.

Interested in flipping a home that would qualify based on HERS rating + energy savings and would like to partner with a lender to market the property as eligible for EEM.

I have a few colleagues I can recommend in OK if you're interest.You definitely need someone qualified, does not have to be a CPA, could be an Enrolled Agent or an attorney.