The problem is there's no one right answer or solution that works every time.

Not exactly sure if this painter is the right choice- but on a quick notice, he is the best solution so far. 

As of now it's still not fixed and I'd like to take care of it sooner than later so if you have a solution for me please let me know.

Carin Kveton, find someone that will show you their numbers and math, that way this whole DTI thing isn't a mysterious black hole, but something that you actually know and understand.More than once, reviewing my numbers with borrowers, I've had them identify solutions that I didn't think about because they know their financial situation way better than me just looking at their tax returns and paperwork. 

Hard Money Lenders want you to succeed, and your obstacles have probably been encountered with other deals, so they can be very helpful in providing viable solutions when you communicate with them.

You can find a few solutions in the BP marketplace.

But, if I were a typical American, unaware of these plans, and unprepared to research them, then the fact of the matter is that I would not INTEND to use the money in a 401(k) to make lifestyle changes.I believe that in my case, the 401(k) has very little relevance, as I plan to achieve indefinitely sustainable financial freedom very early in life, which would likely result in my wealth continuing to expand perpetually. 

2. there is a full basement and room in attic to add forced air and central ac to the home if needed and just remove the whole steam system itself. i have not looked to far into the 1 water heater situation to see how i can separate the piping from unit 1 and 2.i hope someone has ran into this obstacle before and has a solution. thanks in advance 

What's the best solution out there?

I could not sustain that.