My D2I will be sufficient based on the book.

That's why I want to leave the marketing, underwriting, servicing and potential default negotiations to the professionals.My role is to evaluate loans based on my needs and risk-tolerance.

These are income based loans and rates will depend on your credit score and loan to value (LTV).I've seen programs where values determined by AVM (automated valuation model), not a full appraisal. 

@Travis Peterson  You’ve got different options based on your personal financial picture.

Don't run numbers based on STR or MTR, run the numbers based on the worse case scenario which would be LTR.

If you overpaid in 2020-2023, based upon bubble multiples, the picture isn't as rosy.You have a choice to make:  Cut your losses or grind it out.

Both a cash out refi and a HELOAN have options to qualify you based on FICO and the income from the property - your income, employment and DTI are not factors in this case.

But there comes a point where it just does not make sense to even do the loan and it becomes a game of who will do it for the cheapest. 

Based on the above projections I receive, I then "run the numbers" to see where I project to end up each month.

Investing with none of your own money is also always an option, but understand, when you have no skin in the game, it typically means that you will be giving up more equity at the exit and/or splitting majority of the cashflow during the hold.