I was planning to use my 0 down VA loan on a new primary residence.

DSCR loans won't use your income to underwrite the loan.DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.Here's a bit more in detail about how rates are calculated for DSCR loans:1.

The quiet title is normally necessary before any lender will make a loan against the property.  

I have a few seller finance deals that I am currently rehabing and was wondering if anyone had any creative ideas of pulling the renovation money out while still keeping the seller financing loan since they are 0-3% in place. 

I am trying to get interest only loan to scale my portfolio and increase my cash flow.

- Moving beyond 4-plex turns into commercial mortgage loans, which I think will reduce the pool of potential buyers.- If we play to hold, I'm not sure if the rental income will make this a worthy enough investment, but I could be wrong.What do you think of this situation here?

Would a hard money loan be better without 2 years income or another way?

I'm not sure if any local lenders will consider the property value once the ADU is complete when reviewing my loan application.

If you decide not to do a DSCR loan, the second home loan is a popular option, but there are lots of drawbacks for investors as it is really a product made for regular home buyers.

@Marcus Auerbach and Jason , I found this data to be very useful and intriguing.I checked the spread between Income, Fannie Mae Loan Limit and , ZHI Median.Area income: Fannie Mae 1 Unit Dwelling Confirming Loan Limit: ratio$158k->$1,150,000:7.27x (my zip code in CA)$100k->$766,550:7.66 ( zip code 53209 in Milwaukee)so these are expected but lets deep dive:ZHI ratiozip codeArea income:ZHI Median: ratio ZHI to income,current spread ofCAzip:$158k:$791k: ratio: 5.0x : 0.68% !