@Chris Trupiano I am using a company called RDC Capital that seems to be fairly investor-friendly, if you would like to check them out (they have things like interest only refi's, lines of credit 1MM and 3MM- you just have to have a net worth equivalent to 20% of the amount, so $200K and $600k respectively). 

Sorry I am using the phone app and accidentally replied to Megan instead of a new post.

Hi I am trying to get a refi through that got a refer on DU, Borrowers score has gone up to 699 from 679 but his 3 tradelines are with same co, at zero bal he has 1 late on tradelinehe is W2 his ratio is about 46% and DTI 80% +.But I cant seem to get a true comp that can lower LTV if the guest house is used and the same goes for the income I am using one from Trulia but it does not include GHthe area goes about $500 per sq ft it would increase the value greatly on that alone

Very good market for BRRRR, that is the strategy I am using.

Its in Bay City, Michigan and i am using phone and a email.

Pay for all those kids to learn a musical instrument. 

I am using my VA loan for the purchase.

I have found a solution and I am using it. 

Originally posted by @Dean Letfus:Yes and that is why turnkeys survive, because  whether it's true or not, the perception is lower risk.I am using a turnkey service in Memphis. 

I am using the 1% rule for this because that's what I am used to using.