I think it was for down payment and closing costs.

If the other two parties want to flip a house maybe they can do just that as partners and then sell you the house which you can buy with a primary home loan with low down payment.

What would stop him from just not coming back to finish once he gets the last payment from you?

And offset the previous FHA loan payment showing that you're making the payments for it so it lowers his DTI.

Hi I posted in the past about this tenant, but anyway no payment for January gave 14 day pay or quit in mid January, she said she left but left some of her stuff, her husband called me (they are getting divorced), said he has alot of stuff in basement, boy he wasn't kidding place is filled w garbage and stuff worth money all their personal stuff, what do i do?

If you have extra cash at the end of the month, then do double up payments on the mortgages so the principle is reduced and this will increase your heloc room.

When revenue is low in the first couple of year, so is the interest payment.  

Does a DSCR loan require 20-25% down payment?

I financed this property using down payment funds from 403B and a local commercial bank. 15% down from personal funds. 85% down from community commercial bank. 3yr balloon, 20yr amortization, 7% interest rate.

Unless you've done substantial improvements to the building or used a large down payment when buying, it's unlikely this will work.Perhaps your best move is to find a new primary residence that is 2-4 units and repeat the process.