Again, I strongly believe this is far from over and it would not be prudent base investment decisions on this initial ruling.

@Orane Jacobs Over the past 6 years, I have help many people from biggerpockets house hack san diego based on their price point anything from a 3 bedroom condo/townhome to a 4 unit multifamily.

I can't find a DSCR based HELOC program in NJ either.

To add to it, not sure about your state, however in Mass, families are a protected class hence we cannot discriminate tenants or applicants based on their family orientation.

I'm based in NY.

That's why I want to leave the marketing, underwriting, servicing and potential default negotiations to the professionals.My role is to evaluate loans based on my needs and risk-tolerance.

@Travis Peterson  You’ve got different options based on your personal financial picture.

These are income based loans and rates will depend on your credit score and loan to value (LTV).I've seen programs where values determined by AVM (automated valuation model), not a full appraisal. 

Don't run numbers based on STR or MTR, run the numbers based on the worse case scenario which would be LTR.

Both a cash out refi and a HELOAN have options to qualify you based on FICO and the income from the property - your income, employment and DTI are not factors in this case.