Keep in mind if you need to use two jobs to qualify for a conventional loan, the borrower will need to demonstrate two years of holding those two jobs simultaneously. 

I’m using my VA loan to help finance my next deal and once I sell the home I live in now I’ll have a good amount of capital to rehab the next property If I wanted to along with my W-2 job.

I plan on using DSCR loan and have a pre-approval.

My mom has one home in SC that she lives in and another home in GA in which i live inside of. she wants to get a loan from the condo in GA in which she has 150k in equity.

The other benefit of converting it to a mortgage is that it will be more valuable if you resell the loan.

🧮It sounds like you have these priorities for your next PNW property besides the standard FI road map:- Something that has positive ROI (appreciation + cash flow + tax deductions + loan paydown) purchased at $1M with 20% down and ~6.8% interest.

Car loans eating up a huge amount of income no. 

We have interest only loans on all 4 properties.

Non-owner occupant loans are typically Fannie/Freddie loans on properties 1-4 units, property titled in your name, you are signing the loan with verification of YOUR income and financial status.  

Since we are hard money lenders most of our loan requests come from commercial mortgage brokers.