A HELOC may be an option but I'm full time real estate (no W2) and have a couple properties and my DTI is relatively high. 

That said, if you can comfortably handle the additional down payment and monthly payment consequences of a higher purchase price (and the lenders agree), and you have a few different good options with the property then it could be a wise investment.By a few good options . . . you want to have some exit strategy other than STR that will work in case the something happens to make STR uncouth in your area. 

Also keep in mind that "source of income" is a protected class in Maryland.

Try to narrow down your options to the top 3-4.

From purely a lending perspective, the projections from AirDNA and Rabbu are the only commonly accepted sources for underwriting a short term rental purchase or refinance DSCR loan.

But wants to leave immediate family in the main home on the property.The other option is, after a few years then rent out the garage and room while still having the family live in the main home.

This may affect what you can sell it for.Other option if to find a better PMC and follow your original plan.

Here are a few options: max out 401k contributions for you and your spouse, max out HSA contributions, make charitable donations, harvest tax losses, etc.I recommend finding a tax strategist who specializes in real estate taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

But I genuinely believe that if you’re just getting started, house hacking is the better option.

Instead, there is an option period, with a (mostly) small option fee whereby the buyer can cancel the contract for ANY reason within the option period.