Loans are based off your net income if you are a sole proprietor like myself, so the more expenses I have, the less eligible income I will have for loan calculations.Does anyone know how small to large size companies get loans?

Most HMLs will loan at 65% ARV-repairs.

Then the loan payments, insurance and property tax.  

In the meantime, this might help you out when it comes to BRRRRs: https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-...

I don't know the numbers on your property, so I'll create a hypothetical:Assume your principal and interest on a $300k loan is $1,263.You're sitting on the potential to get $155k (tax free, btw), but the rate will be 7.5%, taking you're principal and interest to $2,100.Yes, it's $900/month more, but you have $155k of tax free money in the bank.

Using Hard Money 10% down 100% rehab loan to finance the deal.

Try creative financing like seller financing, private loans, or partnerships.

What are your thoughts on using my VA loan for the first time to purchase a 3 unit multi family in Gary Indiana.

@Tabb PittSeller financing provides advantages like drawing in a bigger group of potential buyers, bargaining for increased selling prices, and potentially gaining interest revenue from the loan.

I've watched all the calculator tutorials but do not know which one will be the best for me since I will not need a loan to purchase the home.