@Alison CromwellIn order to obtain a flip loan with no consistent income history, the following steps need to be undertaken: create an impressive credit score, put aside more funds as a down payment, check out new methods of getting funding besides what is available from banks or other financial institutions, involve yourself in investments with toughened entrepreneurs, show how financially sound you are by doing things such as getting enough money into savings over time through frugal living habits or accumulating valuable assets that can be readily converted into cash when required among others like developing several stable sources of income or steadily growing one.

Life is such a funny thing sometimes - and I'm right on the opposite side of the fence to some extent here; I'm not necessarily a "big gov't" or "small gov't" guy, but I am a "don't be an unreasonable pain in the *** gov't" guy, and at least in my neck of the woods permitting is a royal PITA for very low value.

Since most DSTs have institutional debt that you assume (but are not liable for - called non-recourse debt) the use os $100K of cash could purchase $400K of DST purchasing power on a DST that is 75% leveraged. 

Even the American Institute of CPAs (AICPA) recommends that their CPAs get a cost segregation study done on properties over a purchase price of $750k.

My wife and I currently own a house in Royal Oak, Michigan (Metro Detroit). we have decent equity in the house as we bought it in 2017 and have 2.65% mortgage rate. 

@Konstantin KomkovTake some courses with the appraisal institute and you will learn and meet valuation professionals that have a wealth of knowledge.   

I don't know of an institutional lender that will do that.

My other option is simply getting a full time job during my last 2 years of college, either at a bank or a similar institution.

Often these institutions will offer a month long class at night or weekends in topics of interest to the local community. 

Hey BP Community, I'm wondering if there are advantages/disadvantages from getting a HELOC from a local bank or a mortgage company.  Will either have a greater likelihood of offering a higher credit line? I'm planning...