I do not have a traditional W2 job so I can't pursue the typical conventional loan or a FHA since I don't have income (hence the DSCR route).However, I've seen that most DSCR lenders do not lend if the loan amount is less than $100K.

MD is bad compared to Ohio where piercing the corporate veil is a myth - applicable only where the owner (even 100%) has committed a crime or fraud.

It’s growing fast, has good schools, and offers affordable homes compared to Houston.

@Jay Hinrichs exactly the risk is even more than traditional development and the profit is actually less with more operational headaches.

Reach out if you would like to compare options or revenue potential for different homes and communities. 

Multifamily real estate has traditionally been a stable asset class, and the Washington D.C. metro has traditionally been a stable market area, making the two together a good safe bet, especially for anyone with a long-term view of their investing strategy.

You can also look into building a rental portfolio which is a little less hands off compared to flipping.

The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

Purchase Terms: Clearly outline the terms for your brother to purchase the property from you, including the timeline and price.To minimize the financial burden on your HELOC, refinance the property into a traditional mortgage as soon as possible.                                                                                           

., (3) gives you viable options and explains the pros and cons of each option and (4) you enjoy interacting with - this should be a relationship, not a transaction.Once you find a few lenders like this (and you should have relationships with more than one), then you can start comparing rates and fees.