So my next thought was just use that as a down payment on my first property (Preferably a MFH)  and keep saving, and repeating until I feel comfortable using hard money? 

Repeat until you get results.

In Metro Atlanta, at least, I'm (still) aiming for at least 10% cash-on-cash on long-term rentals.The CARES Act will funnel money directly to millions of Georgians affected by the coronavirus. 

Documented repeatable processes enable us to reduce errors and inefficiencies.

This is insignificant because that same deal can’t be repeated now. 

Affected our DTI causing us to not qualify for a loanWhat could you do with 30k?

As a result, we have also said that we are willing to work with anyone that has been affected by all of this.If your job or income has been affected, reach out to us and we will work together to see what we can do so that we do not lose a resident and you do not have to move.

They didn’t let me know there was an issue beforehand and I’ve asked repeatedly for the receipt which they have not provided.

I have been focus on educating myself, currently reading “Buy, Rehab, Rent, Refinance, Repeat” by David Greene. 

The hard part here is that this was never a real BRRRR because of the numbers.BRRRR is about leaving as little money in the deal as possible, it starts with the right property,Next; an appropriate scope, 3rd making sure your rents are realistic and proper for the area.When you refi, often the best LTV is 75% ( I suppose there are exceptions, but conservatism is what wins this game)Last, your supposed to repeat the process.