There is a solution for Canadians, from NCH out of Nevada to use a regular corporation to hold limited partnerships.

When analyzing the deal don't just consider rental income - debt service.

The property cannot be valued in the traditional way, which is why I'm seeking a private lender who will value the property in a commercial-style method via the cap rate.Source of down payment funds: Implied equity (refi)Income Source: W2 for both my wife and IGross annual income (between the 2 of us): ~$300kMonthly debt obligations appearing on credit report, plus (if applicable) personal rent and alimony/child support/etc: Student loans, rent, and what exists for this tiny house.FICO: 725Credit issues: noneThanks for reading this far!

I have a good income producing job, however, I have a 6 member household with teens, preteens, and children who are eating up my house like Pacman, lol. 

I am not sure if this is the right place or not but I wanted some input into any obvious issues with my lease option offers to the tenant buyer that earns plenty of income but doesn't have the cash right now and wants to improve credit before purchasing but would like to lock in the price as our market is still struggling with inventory. 

They don't consider borrower income. 

Gains through crypto felt uncertain to me but still had a draw, so I decided I wouldn't use more than 5% of my disposable income to gamble (whether on leveraged index funds like QLD or crypto).

  * 2-4 unit properties are residential and mainly valued based on sales-comparison, not income.

So if you can get a property, that is the first step, over time, it will start to make you income.

Yes, there are ITIN DSCR lenders out here for $100K and up DSCR loans.More info on DSCR loans:DSCR loans won't use your income to underwrite the loan.