Hi @Jill Davis, I can refer you to a lender that can still do some jumbos in the 4s.

Lenders are going to charge an origination fee and interest rate for each project.

I had to pivot to a more creative, non-traditional way to structure deals to keep my business going. 

Lenders.

I was told by 2 lenders that my DTI is too high because my taxes show a loss on rental income.

Most DSR lenders want minimum loans (not purchase price) of $75-100k.For apartment buildings, your $125k equates to around $400-450k purchase, as you'll also need closing costs and improvement funds.Depending on where you buy, this price equates to a Class C or D property.

I mean say if I include in the lease contract something that says "any rent later then the 1st of month shall be considered violation of this lease and this yearly lease shall simply become a weekly lease (as weekly leases I read only need 3 days notice to evict) from when a 3 days notice is automatically needed to be considered with per day penalty being $100 if not moved within 3 days of non repayment of rent from the date of not paying (due date) the person's presence on the property shall be considered illegal and will be treated no less then a violent intruder".

I would never EVER as I said encourage an investor to buy a home basically anywhere that is hooked to public sewer to pass on a Sewer scope.

99% sure its a fake lender.. 

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?