You are casting a very wide net without providing what your prioritized criteria might be.

Depending on the loan product, you may be able to exclude business debt once the business has paid the debt directly for 12 months.The income and losses related to the operation of the entity will affect the income side of your DTI (like Jay explained) if you own 25% or more of the entity.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

When it comes to furniture/design it depends.

I think it depends on the individual and opportunity.

Hi Kana - I think it depends on your budget of course.

Quote from @Treza Edwards: I would be looking at this as a market-dependent change.

@Timothy Frazier  This will be tough as the HML will want a 1st position loan, but so will the other lender providing the rest of the funds. 

@Jacob Hrip For a first-time investor, financing options like a HELOC or private funding depend on your strategy and risk tolerance.

Best bet would be a “partnership” with a monied individual looking for a high risk/high return passive investment with you providing the “active” part.