When your 2019 taxes are in & processed by the IRS, your income calculation will be based on either 2019/2018 average, or just 2019, but either way 2017 will be completely disregarded as a data point.No reason to bark up the HML or non-qm trees when you can just wait a month or two, the benefits of the "Great Deal" you are looking at in terms of getting 7% off fair market value, or another $150/mo in cashflow from that, will be FAR outweighed by the rate/points/fees/etc that come with a HML or non-qm.

There are three pitbulls next door to them that are always outside and bark obnoxiously.

Regional bank or credit union is the right tree, but you're barking up the wrong branch. 

And in spite of the above it may still make sense for you to bark up this tree.

I personally don't like the signs because it gives the impression of orders being barked as opposed to friendly reminders.

Motion activated barking dog alarm ( yep, they make them ) 2.

No point in barking up that tree.I would also suggest asking the listing agent.

Does this sound like a good opportunity or am I barking up the wrong tree?

Hi Alan,That's called a "Secret Pet" it happens a lot.Cats are a lot more secret than dogs who need walking or stink up the backyard with (waste) and bark all day and night.Some people just get a pet deposit when it's discovered.Good Luck!

I don't work for myself to have orders barked at me over text.Yes, I'm a wholesaler, but I'm looking to build longevity and wealth just like the next person.