Without going into too much detail, my current situation stems from selling a previous company via partial owner financing, only for the new owner to default on the purchase, leaving me in this position.For traditional financing, I understand I’ll need at least one, if not two, years of solid credit history, tax filings, and other financial documentation.

Often people set too many goals which always reminds me of the Chinese proverb, “If you chase two rabbits, you will not catch either one.”

There are not traditional DSCR lenders that would do that.

Our issue is income on papers too low to qualify for the an FHA or traditional loan.

I used Roofstock to sell one of my rental properties in TX as their sales commission is lower than going through traditional sales channels. 

There are still a few that will give you a loan but the traditional 90% of purchase price and 100% of rehab might not be possible without an exception.

whats traditionally referred to as "DSCR" loans are not going to be eligible in non-state territories unfortunately

Reason why is because FDIC Bankers "Do Not" charge points on traditional programs like primary homes, standard investment purchase and refinance, Second home/vacation homes.Lenders, Brokers all charge points to meet their Loan officer compensation plan (commission).

Dan, Investment HELOCS are extremely hard to achieve considering they are not DSCR underwrites. they are more traditional conventional qualifications.

(For context, it's a 2700 sf 4 bd 3 bath house in an upscale Northern California suburb.)Kitchen A: Traditional, features a 48 in fridge, 36 in cooktop, window sink (no view), pantry.Kitchen B: Designer, features a 60 in fridge, 48 in range, large kitchen window (no view), sink facing living/dining room; unfortunately no pantryKitchen C: A Little Bit of Both, features a 48 in fridge, 48 in range, sink facing living/dining room, pantry, unfortunately there's no window.Total countertop space is roughly the same (22 ft)  in all three layouts.