Once the prop being sold is in escrow AND your buyer's loan contingency is lifted, that prop's PITI can be excluded from DTI.https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-6-Liability-Assessment/1736872721/B3-6-06-Qualifying-Impact-of-Other-Real-Estate-Owned-06-30-2015.htm#Current.20Principal.20Residence.20Pending.20Sale

@Patrick SearsDefinitely still seeing demand as there are still a ton of borrowers who either do not qualify or loan limits are too low that banks do not want to touch them

So in this example he was willing to give you 96.5% LTV(loan to value), but since you found a great deal you only need to borrow at 70% LTV, which is all you lender cares about, and in this case your deal was so good that you don't have to pay for PMI either, so your monthly payments will be way cheaper than you originally thought. 

I invested with my traditional IRA account as two different promissory notes for the same borrower on two different flips.

Where can we borrow money and lower our down payment? 

@Florence CrosbyIt depends.If you have cash to purchase the LLC and don't need to borrow against it for a while, I think it's a great way to acquire the assets of the LLC. 

So far, I have been borrowing money from family and friends (1 Hard Money deal as well) and been able to provide sizable returns on their investments.

I do video walkthroughs for my buyers that are stuck at work or out of state (with seller permission) but it would be a great idea for me to borrow my office matterport scanner... 

Too many Borrowers overwhelmingly tried to lock in these low rates that bankers had to curb the mortgage submissions.  

You can borrow any amount up to the credit limit.