Originally posted by @Jack Grove:@Okansa Patrick Were you required to utilize a hard money lender when dealing with New Western?

LIHTC properties can have requirements that stay with the property for up to 15 years.

Capex-  make a list of all upgrades required.  

How do you think the 2 relatives will feel about having their rent raised or being required to pay rent period?

But It requires an endorsement.

It depends on the rental income, what you plan on putting down (20-25% is typical, 15% or 25% is required for conventional depending on # of units) For your owner occupied deal, you should be able to use a portion of the rental income to qualify and help offset your DTI a bit. 

This can be done, it just requires finding the right lender.

Because of my savings and lack of expenses, I'm in a very comfortable position to make my first move, but because my income is mid, I'm unable to meet the Debt-to-Income requirements to qualify.

They require the same amount of attention as everyone else and we are one entity....Not everybody dances to the beat of your drum.

I wouldn’t worry about the higher dp because any investment property is going to require 20% down , like a DSCR  Let me know how that turns out!