This could be through finding ways to increase the rent on your existing properties, taking on additional work, or finding other income streams.Reducing your current debt levels can also improve your DTI ratio.Improve Your Credit Score.Look into various financial institutions, including community banks, credit unions, and online lenders, which may have different criteria or offer programs for investors.Since portfolio lenders retain their loans in their own portfolios rather than selling them on the secondary market, they are able to provide greater flexibility.

It was sufficient for its purpose but will not provide me with any additional equity with the bank down the road to be used as leverage for the future.

Should I agree to this so I can make some additional income, or is this opening a can of worms that I don't want to open? 

In addition to identifying owner-financed homes, they can negotiate better interest rates and terms with the seller and assist you in completing the transaction.

Additionally, your wife's citizenship status should not impact your qualification for the exemption as long as she is a resident alien with a valid Social Security number.

Otherwise, FHA allows college graduates to apply immediately upon employment, though there are some more fees associated with FHA and the mortgage insurance is for life.

They specialize in quick and fast loans that will come with credit card like interest rates.Here are some additional tips for securing the best mortgage rate for your investment property:Build a strong credit profileSave for a larger down paymentShop around for lendersConsider different loan typesDemonstrate a stable IncomeChoose the right propertyBuild a relationship with the lenderBe prepared with documentationConsider interest rate buydownsMonitor interest rates

Or does it present risk, that if appraisal comes in higher, the bank can ask for more, as well as take additional offers.My understanding is, they can accept my offer, or if the appraisal comes in higher than my offer, re-open negotiations. 

So If I understand this I would be looking at base rate +4.125 then whatever additional rate the lender is adding on, minus points to buy the rate down? 

If going to 75 ltv and additional price adjusters were just enough to make it the loan exceed fnma points  and fees test so they have to limit to 70 to meet that requirement. 2 It was a Dti issue and they couldn’t approve you for a higher loan, but presume if that was the case they would have mentioned either reason before.