While some lenders can get creative with income and/or don't require personal income underwriting, DSCR lending programs technically only apply to SFR 1-4 units and small multifamily (usually to 10 units). 

There are non-conventional programs that will allow on an exception basis but not ever one can qualify or will even know about those programs.  

Trailers and fabricated houses have their own loan programs called Chattel Loans. 

To choose the loan choice that best suits your financial objectives and preferences, compare options including conventional loans, FHA loans, VA loans, and down payment assistance programs.

What mentorship program are you using?

Most housing authority sites will have some kind of information on how to register for their program as a landlord.

 $7800 for a 3 month program.  

They do penalize you for claiming the roof now. and either increase the rate or kick you out. of the program. - Speaking from experience after several successful roof claims...

Hi Rachel,There are non-QM loan and investment loan programs that do not look at your income.

@Jacob Shuey I have tried 3 different coaching programs.