Most of these program qualifies borrowers with income and very few DSCR.

Are you able to request their balance sheet / income statement?

The problem is mainly a concern for people with a net worth or reasonable income. 

Because of the additional income I am producing through the consulting business, I am afforded the opportunity to invest money in real estate.  

I am seeking recommendations on how to network with investors and find those who may be interested in coming on as a joint venture/partner.

@Travis TimmonsI had the same reaction as you did, but I held off on posting since I don't yet invest in STRs (I'm all LTR so far, and looking into my first MTR).Buying an STR "to offset income" makes me nervous as well...

If the properties are split into more than one LLC, then each LLC will need its own accounts.Checking: collect all income here, then use it to pay bills.

More on DSCR loans: DSCR loans won't use your income to underwrite the loan. 

Sorry for the tough love, but not buying the above.You & your wife's salaries should cover your expenses, while the income from your remodeling gigs should be saved.Recommend you review EVERY dollar you made and what you spent it on in 2024.

We’re looking to increase our lifestyle through the decrease in housing and built a little passive income medium term.