Evan,You are going to want to check out SONYMA and Home First for NY.

Debt to Income Ratio will be used for more conventional types of financing (Fannie/Freddie).

Both these 2 are not easy to do, and typically take expertise, experience and or capital.  

Has anyone used Anderson Advisors for real estate ?

I think it is best for me in my situation to use an all cash offer, and I don't rent back to distressed sellers.  

I’d also look into using an FHA 203k renovation loan, allowing me to buy something unqualified for a standard mortgage, which would weed out a lot of competition and push the price lower.

When looking to buy your second property, there are of course synergies to use the same local bank, however, there is nothing that requires you to use the same bank.

At worst, an accessory to theft.

It’s an incredibly powerful way to get cash-flowing assets under your name with little to no funds out of pocket.Trying to use it without being an owner-occupant is equivalent to wanting to have your cake and eat it too.

If you can get to 20%, you start to see small interest rate reductions.