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

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

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.

Its certainly possible to get into the upper/mid sixes depending on the qualifying factors but can also say that the rate benefit to ARMs right now are very paltry - probably 1/8 or 12.5 bps (only 0.125% lower) at best

Currently in my first house hack, a duplex I purchased in December 2022 for 444k with an 3.5% FHA, the property was in just good enough condition to qualify.

If you can qualify for an FHA loan that would be good too.