Ask the person lending you the money.Banks won't care.

@Jay HinrichsHold on a min.... are you guys saying there are state laws in place saying what information I can disclose in a personal letter to sellers??

Not the best products, but PNC and Citi both have a HELOC you could check there.

Personally I'd think more about quality of life you are looking for and if that market fits into your overall investing goals.

Personally I prefer areas where it is not "block by block" like northeast philly, roxborough, chestnut hill, west mount airy, east falls, fairmount, graduate hospital, etc. 

ATR rules do NOT apply to investment properties so products like DSCR loans and often hard money loans do not look at the borrowers income.

If a person cannot afford to make their taxes and insurance payments on a monthly schedule, how would they have the personal discipline to set it aside for yearly lump payments? 

They forged documents, have the assessor for king county as one of their CEOs (my property was in Clark county WA but my property title was changed in King county WA where he WAS the assessor) hsbc had to pay me and countless others for bad foreclosure practices and that caused them to go bankrupt and my loan was floating and I essentially owned home free and clear due to terms of the contract stating that if loan was to be sold that hsbc my husband and I and the new proposed lender had to all meet in person and sign new paperwork permitting the transfer of the loan which never happened.

Not someone's personal opinion.

I answered and the person told me they work for private investors.