Non-QM pairs "uncalculated" DTI with higher FICO scores and larger down payments (we don't know DTI [lots of these folks are self employed and get 'creative' when reporting income to to the IRS, so the tax forms are unreliable {that's why they need non-QM to begin with!}

They just may not do the processing as efficiently.I've had clients of mine specifically ask to not be paired with certain lenders. 

They have one pair of 19-year old students that have acquired a couple MF properties in TX. 

After some particular bad decisions I was left with less than I ever had before, except a new  pair of handcuffs. 

Consider these facts/characteristics:Bostonian, $9K in student loans, no rent expenses currently (living at home), not a really a spender (1 pair of sneakers and 2 jeans for contrast), living off of $200 every paycheck and fully employed with a salary.My goal is to have 80% of my portfolio filled with rental properties while leaving the other 20% for capital projects.

The pairing is a win-win. 

I found the seller when the house was vacant,found the realtor (maybe the wrong one), paired the seller and the realtor to get the listing agreement signed. gained access to the house. made sure to follow up with the seller to get the tax returns in.

I pair up cash partners with credit partners all the time.  

Just like a wheelchair, pair of glasses, live in nurse.

Anything can be arbitraged -- a distressed house, a rehabbed house, a pair of socks, etc.