Will a lender let us use her income when qualifying for a mortgage or will we only be able to use mine?

Lenders will use the market rents or lease rents to qualify you instead of your personal debt to income ratio.

Etc.)Residential:Commercial:In closing we've done small jobs permits under $100 including the county / city fees, and the very large commercial projects where the county fees alone were over a million and it cost over $50,000 just to submit for review.

Approach local lenders for a what exactly? 

He works with a few lenders that do construction loans! 

Quote from @Jacopo Iasiello: Keep pushing forward, and may your journey in real estate investing be filled with success and fulfillment.Dear Jacopo, I wanted to extend my sincere appreciation for dedicating your valuable time to reviewing my forum.

Most hard lenders who are willing to deal with someone they haven't done business with have the areas they are willing to chance already mapped out and a lower class area most likely wouldn't be one of them.Sorry for the length of this LOLTim

My lender just started offering their notes for resale to private investors and has 100s to choose from all over the country ranging from 8-12% ROR monthly, currently from $62k-620k, in all areas of the country.

Hey,I'm an agent over here in Rochester and can definitely help you out with both lenders and PML's.

I suggest using BiggerPockets' "Find a Lender" tool to find a reputable hard money lender.