I’d also love to hear your predictions for how the real estate financing landscape might shift this year and how you plan to position yourself for success.

I'm looking to finance the project long term in a way that is helps me create positive cashflow.

If it's net positive, then make sure to do it up to code, etc so the finished square space can count.

Some will be ok in 2nd position and some will not and force you to refinance out the first - but those are options that are probably cheaper than credit cards 

The problem is I have no idea of knowing what is owed on the first position deed of trust.

No and I wouldn't mess around with an appraisal until you are positive cashflow. 

Because of my savings and lack of expenses, I'm in a very comfortable position to make my first move, but because my income is mid, I'm unable to meet the Debt-to-Income requirements to qualify.

I'm passionate about teaching real estate in underserved communities and helping others build wealth through knowledge.Looking Ahead: I’m seeking local and out of state investors, lenders, and professionals in the Atlanta area for STRs and MTRs, and in Birmingham, Phoenix, Columbus, Macon, and Augusta, GA for long-term rentals and small multifamily deals.Let’s connect if you share my vision for creating real estate that not only generates wealth but also builds lasting, positive change.

You could theoretically structure a deal where you are cash flowing negative, but have an overall positive ROI.

With your renovation background, you're well-positioned to excel in house flipping.