Without the SSN the ability of the CRA (consumer reporting agency) to cross reference information is hindered. 

If your objection is time, expense and compliance issues, it's not clear to me this alternative is less expensive or time consuming, and likely is even dicier on compliance.

IF it is consumer debt you have to work on your financial literacy first.

We have high personal income with no consumer debt, so conventional loans are typically more favorable and DTI hasn't been an issue.

btw, are you the same Jay Hinrichs of "TRUE "WHOLESALE HOUSES" that was sued by the STATE OF OREGON-DEPARTMENT OF CONSUMER AND BUSINESS SERVICES DIVISION OF FINANCE AND CORPORATE SECURITIES? 

We were particularly interested in this deal because it involved a light rehab, which is less complex and time-consuming compared to more extensive renovations.

The number is ticking up but Ohio is still fine in vast majority of cases - anything over loan balance of $110,223 (2024 limit) doesn't apply - since most DSCR lenders have minimums around $100k loan amount, barely affects thingshttps://com.ohio.gov/divisions-and-programs/financial-institutions/consumer-finance/guides-and-resources/loan-prepayment-penalty-and-adjustment#:~:text=Effective%20January%201%2C%202024%2C%20no,loan%20of%20less%20than%20%24110%2C223.

The government has an interest in ensuring its populace isn’t exploited and consumed.

A box of 6 flushmount LED light fixtures are about $80 and they each consume about 12 watts.https://www.lowes.com/pd/Project-Source-6-Pack-9-i...https://www.lowes.com/pd/Project-Source-4-Pack-11-...

This can help offset your mortgage and other expenses.Single-Family Home: If you choose a single-family home, you may have the option to rent out rooms or a separate unit if there's space, but the income potential might be lower compared to a duplex.Affordability:Duplex: Financing a duplex might be more challenging, but the rental income can assist with affordability.Single-Family Home: Single-family homes might be more accessible for first-time buyers, but you won't have rental income to offset expenses unless you choose to rent out a portion of the property.Property Management:Duplex: Managing a duplex involves dealing with multiple tenants and units, which can be more time-consuming than managing a single-family home.Single-Family Home: Managing a single-family home is typically simpler since there's only one tenant.Privacy:Duplex: Living in a duplex means you'll share a building with tenants, which could impact your privacy.Single-Family Home: Offers more privacy as you won't be sharing the property with renters.Market Conditions:Duplex: In some markets, duplexes may offer better appreciation potential and cash flow due to the rental income.Single-Family Home: Depending on the location, single-family homes may have better long-term appreciation potential.Long-Term Plans:Duplex: If your goal is to accumulate rental properties, starting with a duplex can be a good way to get into real estate investing.Single-Family Home: If you prioritize a more traditional living arrangement and don't want to manage rental units, a single-family home might be a better fit.