Two banks would only use the income statement which show very little income, but not bank statements from the last 3 years.  

I haven’t attending any meetups yet that because my grandmother passed away two weeks ago.

My tenants want to add their friend to the lease for a third room.

@Matthew Masoud We are in two markets.

What you can legally do and how it will get done are two different things.

Fast forward two weeks, we've finally got notice from the foreclosing Trustee the lender is generating a new payoff for us. 

For two year I had to do broker splits with other brokers until I got my own relationships developed. 

And most DSCR Lenders still are limited at a maximum of four units and don’t carry this option.11+ Units: For investors that are looking at multifamily investment properties with 11 units or more – then the loan options are going to look very different than the two other buckets (2-4 units or 5-10).

I have two friends who own modular construction companies.

Infact, I would have to show tax returns on LLC for two years before I can include it in pre-approval.