FHA and Conventional loans will allow schooling to count as work history.

DCSR Loan

I have gotten a few loans through Kiavi.

It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

HELOCs are fine, but keep in mind that you really only want to use 50 percent of less (each) of your available equity just so you aren't creating a problem that you can't solve later if the value of your personal residences fluctuates.If you both have W2 jobs though, have you looked into getting qualified together and just getting a loan, 10 percent down each?

Hi Brad, I believe a 401k loan may be helpful in terms of putting toward a down payment if needed. 

The interest rate on a HELOC or Heloan may be better than the personal loan. 

In the program, it appears that you offer a Pre-Loan Application-- perhaps this is how the program is legal? 

In fact, during my short stint as an aspiring BRRRR investor, I successfully secured a pre-approval for a private money loan based on my net worth.Now that I’ve shifted to land investing, I’m wondering: Do private or hard money lenders exist specifically for land flips?

You aren't required to offer a loan mod prior to foreclosure.