This new data on the report was a loan for a new rental that closed exactly 3 months ago plus a hard inquiry for this loan.

Also performing notes can significantly impact your net worth in a positive way, remember the interest is what is paid first on the loan , your equity doesn't decrease much until much until late in the loan.

DSCR home loan is the way to go on this one.

IF No comparable sales meet your value, no loan available as is over 100% loan to value financing.

Although you can get those wrapped into the loan by making an offer with seller closing credit. 6 months of reserves is a very comfortable cushion to have.

I am also a loan officer so please reach out if you'd like to hit the ground running on your financing.

Get the loan first and then arrange things for however you want to do it

I wanted to use a 203k loan but have been told that it doesn’t qualify because it’s two separate houses. 

Currently only 335k left on the loan but the property at the time of refinancing appraised for about 550k.Are there any options for them to utilize equity maybe or some type of loan program that would put a lien on the property to get the issue fixed?

I don’t want to bother her with signing offers that will be rejected without consideration.An example of this is a house with an outstanding solar loan on it.