I'm not a lender so make sure to double check, but I believe the DSCR loan will be the best bet.

I can't believe they are charging hard money rates and then want a split of the profit....!

I believe you did supplement A?

Also, if you pay your parents any profit for the property, if it is their primary residence, I believe that a married couple has up to $500,000 exemption on profit from a primary residence, I'm not 100% sure on that, but you can search for that pretty quick.If you are looking for any loans, please let me know.

If you really believe and understand how to manage downside, you will succeed because that's your only option.

@Nick Zupec  the background check is transunion ,  I believe anyone using transunion has these exclusions. 

I believe that what you are asking for has to be manually inputted.

I’ve painted oil Derricks, built roads, built houses, remodeled houses, commercial painting, custom showers, foundation repair, truss repair, Roofing, excavation, it’s all a good time to me.

I'd be happy to talk specifics about this if you do not believe me - just DM if interested.While, many are n00bs, we use the opportunity to network to be able to have a huge source of people working for us for the next opportunity. 

For me, I would want to identify an accelerated process to buy a new property via auction.I believe we can help - DM me when you have a moment.