Although we do investor loans nationally, we only do consumer loans in FL.

- A traditional investment loan down payment of 25% down is doable but still hard to cash flow.

I was told my by loan offer over a year ago that the rates in spring of 2024 would be back in the low 6's high 5's... look where we are. 

Other than that I have perfect payment history.Debts:Storage unit-         $190 monthPhone bill-             $160 month (i pay for my moms phone)Truck payment-   $1150 month (owe $58,000) impulse buy, and may be able to sell and get out of loan if needed. 2.9% interestStudent loan payment-    $150 month.

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.

Then what would the loan amount on the home be at that point?

I want to house hack the next 4plex with a conventional primary loan using 5% down. 

The easiest way would be to leverage a DSCR loan.

Purchase: He says banks don't offer 30 year loans for CRE.

I know I will have to put down at least 20% with an FHA loan.