Developers will not be able to get these bonus building permits without providing such TDR credits.  

Renting it out while strategically leveraging the equity could be the best path forward.As @Jaycee Greene said, DSCR looks at your credit rather than DTI.

Contractors, unless you have a working relationship with them, normally do not want you bouncing ideas off them.Understand what their hourly rate is, have a discussion with them that you are okay with paying them an hourly rate if they walk the property with you and provide you a scope of work along with an explanation of what you can/can't get away with in regards to improvements.ask them if you go with them, if they can credit you the amount that you paid.Once you develop a working relationship with a few contractors, you can bounce ideas off them and expect quality responses.I do not invest in New York.Best of luck. 

The only other option I see is a short sale, if you don't need to purchase for a few years and don't mind a temporary credit hit to save the $60k.  

From those experiences, I know that the money saved by going it DIY or with a poor company is FAR LESS than the money lost through bad management.Huntsville is a great area, but smaller investors might be priced out of that market.

You can't run a credit/criminal without the social.

The only example I can think of is that I asked an applicant questions about their credit report.

Solar has an energy credit and Starlink is deductible as business expense. 

If I didn't have to use credit for a portion of the course cost ($7k) and marketing costs ($1k/mo), I would do the course. 

As I said, check with local banks and credit unions.