I can put up with a 1-hour work commute or a little more if it means having a house in a decently safe area.Other Info:Credit Score: 700s (due to student loan payments)Monthly Income: $4600Work Location: I commute to Northern Virginia and D.CGuys, I could really use your help or recommendations on what you would do if you were in my situation:Location: I'm thinking somewhere in PG County MD due to my commute, like Hyattsville MD.

I require a high credit score 680+ and two prior landlord references.

Hi Daniel,Refinancing out of a high-interest bridge loan can be challenging, but you have a few potential options based on your equity, tenant situation, and FICO score. 

Got an equity line of credit and borrowed from it to pay cash for the property.

do not use a line of credit for a down payment. 

It would benefit a lot if you are able to obtain US credit, US LLC and US Bank Account.

Quote from @Zach Edelman: If you do a DSCR loan and vest it in an entity - you and your partner can both PG the note and it will report to neither of your credit reports, thus having no impact on your DTI! 

Utilized a low down payment loan, maxed seller credit, tax proration and closed on the 1st of the month to maximize my cash and acquire this property What was the outcome?

Let them pay the deposit with a credit card.

At it's basic level:Assumption: Asking the bank to turn the loan over to you and going through the normal underwriting process, credit, income, DTI ratio etc SubTo: Taking over the loan without telling the bank, no underwriting, no credit check, no income verificationBoth have risks, but it's not my intent to be detailed in this post.