The vast majority of "regular" or traditional (Conv/Govt) mortgages are originated by specialty lenders and brokers and are sold in the secondary market to provide yield on bank balance sheets (think Chase or BoA) or to be securitized into MBS.

However, here are a few options:Private Lenders or Hard Money Loans: These don’t require traditional documentation like a W2 and are often used for fix-and-flip projects.

These strategies can allow you to acquire properties without traditional bank financing, which can be beneficial given your current DTI and income situation.

Are you sticking to traditional banks, exploring private lenders, partnerships, or maybe something creative like seller financing?

If they are going traditional then they most likely need to put in their personal name anyways. 

If you're trying to make money without ownership you might want to consider traditional wholesaling by finding discounted properties off-market and then selling to investors.

This probably implies FIRE in his 20s, but I hope he is passionate about the path he has chosen and excels at it until at least a more traditional retirement age.He started the 2nd rehab he is leading.  

As we get back to a more traditional market CoC may not matter for people. 

We do traditional PML full set of DOT, note, etc. loan documents for $1,500 for residential. $3,500 for commercial.Hope this helps!

Financing: Would you try creative strategies like seller financing, BRRRR, or syndications, or stick with traditional loans?