The issue now is that my accountant says I can't use any of those expenses he has the loan on because I wasn't legally named on mortgage or title.

If so, you can use a DSCR cash out loan no problem 

I am wondering the best loan process of purchasing off market properties not using a conventional bank.

The lender we were originally working with said he no longer works for the bank who was giving us the loan.

I can use a VA loan to purchase a house here, then use my wife's VA loan to purchase a house in another market a year later if not DTI-restricted.

Also would come with the stress of a loan, and debt servicing.

~Andrew    Hey Andrew, You can do a HELOC on an investment property, however you may be capped at 70% CLTV and may need to draw $100k to meet the minimum loan amount.

To make it work, you have to find someone with a problem or situation bad enough that it makes keeping a loan out on a property that he does not own seem like a good idea...or maybe the best bad idea.

One way or another, however, the investors must work to pay down loans, increase rents and decrease expenses wherever possible.

Depending on what the program offers, they could partner on deals with you, you could leverage their credibility, they can help you get financing on loans you would not be able to qualify for alone, and if the group has a network of people that collaborate you get access to awesome people all working towards similar goals.