Conventional Loan 5% down payment How did you add value to the deal?

NO-DOC Term loans are defined as non-qualified (NON-QM) mortgages and are long-term (5/1 ARM, 7/1 ARM, 30 Year Fixed) real estate investment programs.Unlike conventional investment property loans that max out at 70% LTV, a NO-DOC Multi-family Loan Program maxes at 85% LTV and with no PMI.

My questions are;1) with the sudden absence of W2 income for my husband and nowhere near enough through my business, is it possible to obtain a conventional loan to purchase our first property?  

I put solar panels on the home so now its should valued at about $200k.Here's what the numbers look like currently:Mortgage balance: $94,94815 year fixed mortgage at 2.5% (6 years in, 9 left to go)Interest: $197.75 monthlyPrincipal: $776.58 monthlyEscrow: $536.95 monthlyTotal Monthly: $1,511.28 (tenants are paying only $1,000 but I told them $1,600 or get out so they're leaving on Oct. 1)Taxes: $5,268.10 yearlyInsurance: $1,002.15 yearlyIf Renting:Property management company says I can get a tenant for $1,500 to $1,600 a month (one suggested starting at $1,700 due to little-to-no electricity bill).They take one months fee to set-up place a tenant in, 10% every month to collect rent, and $40 fee per maintenance coordination.Refinancing offers:I have 3 offers so far and working on more, all are 30 year fixed/conventional.

The income guidelines vary between Conventional, FHA, and VA lending. 

conventional loan with 20% down

VA Loan specifically, if I were to refinance from VA to conventional I'm guessing I would have to pay 3.5% minimal of the new loan?

Conventional lending How did you add value to the deal?

Recently a resigned from my well paying corporate career and no longer have that W2 that conventional banks love to see. 

Conventional lending How did you add value to the deal?