Once pre-approved, gather your financial documents like pay stubs, tax returns, and bank statements.

And they execute their investment strategy/model (develop, resell, hold, etc.) effectively to generate a return and/or equity and make a living.

I have also told my grandma who was getting 5% return in a CD that I would give her 6% if she lent me the money for the down payment on the last property I purchased. 

My best advice is to work with someone who can easily plug you in with their network of GCs, PMs, and lenders.

I mean myself and any bank would need more details, but if you utilize that large sum as a downpayment and have a small mortgage, wouldn't you easily qualify for the debt to income?

People who have service dogs (or horses, as these are the only 2 service animals) that are genuine have no issue disclosing that on the front end and can answer the 2 questions easily - is the animal necessary for a disability, and what specific tasks has the dog (or horse, if you're getting one of those) been trained to perform? 

If you want to start a fix & flip business that allows for bigger returns but bigger risk, that's another. 

Really interested in investing in this market and would accept a relatively low return (or even a break even scenario because i believe in continued appreciation potential here). 

You can pretty easily find a duplex to house hack in a good neighborhood in the $300,000-$400,000 range.

Some that may be higher returns but require more focus/effort from you and then some more hands strategies that can offset what you are doing but are lower risk, more steady returns.