I used the 75% rule on the income and added it and my DTI without the rental goes from 24% to 38%.Or does it just allow me to just take the net profit of that rental and add it to my rental? 

They countered and we met them in the middle at 15% under, and then negotiated an additional $15k off during inspection, so total discount was around $150k off list price/ what they paid in 2022.

Additionally if you're running an active business in the IRA the income will have to pay UBIT.   

But I understand where I’m at now, and am willing to work for free until I can provide such value.A little about me.

My goal is to grow this business by expanding my investor network and seeking properties that will allow for additional scalability.

I agree with the others here that say you need to have some skin in the game, if you are going to live there yourself, get an FHA loan rather than owner financing, you can get a 3.5% down loan, personally I do not love these as they require  PMI which is an additional expense, and you also need  bring additional funds for closing at least for taxes, title, attorney and transfer fees . borrowing from anyone else for the down payment, to include a personal loan from the bank is not a good idea, those again will be higher int. rate.

But this comes with pockets of C/D neighborhoods, and higher potential for headaches;  in addition, appreciation in these zips has probably maxed out for a while.

Additionally, I wanted to begin using properties to pull equity to go towards buying more.

What would be my best route to take if we need additional finances?

I know many landlords set a credit score threshold around 580-600 for Section 8 tenants since the program provides a rental guarantee.