However, these programs typically qualifies borrowers based on their income, such as tax returns.The DSCR would be a good option considering you and your husband are entrepreneurs and the tax returns don't look good on paper.

The patent on the 30 year with taxes and insurance was 3900 or so.   

Conventional lending requires tax returns, good FICO and reasonable DTI. 

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

This way the broker can search hundreds of lenders (Including Easy Street Capital) instead of just hoping that one lender can get you a good deal.A direct lender can work very well for Conventional loans, but if you were hoping to get a good deal I would look elsewhere Or you could search for hundreds of lenders here on BP or online yourself and avoid paying broker fees..

If you don't, this is an advertisement of what to avoid.

You might consider: Consulting a Real Estate Attorney – Your emails may possibly prove misrepresentation.Requesting Public Records – A FOIA request might reveal why the city denied you but later approved the duplex.Escalating to City Officials – Bringing this to local officials could expose inconsistencies.Exploring Tax Write-Offs – A CPA might help offset your financial loss, if it is possible.I’d definitely seek legal advice.

I know some investors use them as a tax-advantaged way to grow their portfolios, and I’d be curious to hear your thoughts on that.Looking forward to your insights!

I currently have a pre-tax retirement account with employer match and a Roth IRA invested in the stock market.

We pay payroll taxes and workers comp, we comply with state and federal laws regarding work place safety, PTO, vacation, labor laws et al.