At least it sits on their credit report and prevents them from scamming another landlord or qualifying for a loan.

It’s a big decision and shouldn’t be taken lightly…because you are right- it’s going to take time, effort and money (by way of loans/debt) to get that MD/DO.

I'm what people might describe as a "jack of all trades, master of none" (although at this point, due to my current career, I have a fairly deep understanding of interest theory, loan amortization, assessing risk, and certain other financial topics).

Jerry, multi-families small balance loans mainly and financing that makes sense below 7% with longer terms as we buy and hold. 

Do you know if the loan is backed by either Fannie Mae or Freddie Mac?

Last year, which was not a good year, I grossed just under $20k and I used the property about 3 months total doing some rehab and improvements; if I had rented out during that time I would have made another maybe 7-9 grand so let's call it 30 grand gross.

However, getting loans under LLC is very hard in PA. 

Which leads to my second question if I cannot get the HELOC I am considering a DSCR loan, but curious if I could do a house hack with a DSCR loan? 

Matt, first thing to make sure is that when you are using a HELOC it is for a short-term loan.

This type of loan doesn't require any income to qualify you for a loan.