However....I had no response when he stated his college loans were caught up.

Michael,You have a few options for one you can get a personal loan up to $50K to consolidate highest payments lowest balances to help DTI.

We provide loan terms/approvals same day and NEVER take a penny from borrowers. 

Nick Hubbard Senior Loan Advisor  is this  true ??

We loaned $900,000 on the for the refi and 100% of the rehab budget.

In other words, sufficient capital for the cash purchase of a property (plus rehab) and eventually refinancing the completed project to a long term loan.

For buying a second house, should I declare high taxes again or save for a 20% down payment to qualify for a loan based on my active income, without needing tax returns?

But we will make that up with no state tax and every house has air conditioner/ Forced air :)That VA loan is valuable and sounds as tho it's no longer a dream,,, it's happening.

Record high prices to buy a property and record high STR inventory coming on line seems to me like a very challenging situation to make the numbers work on a go forward basis… Anyone have advice?

I thought about going back after the flipper and having them rectify the situation, but ultimately feel that it was my responsibility to check during the due diligence phase and I didn't (smh).