Hey @Jillian Shuler we have a few lenders that finance deals like this.

Local lenders as it was maintained as a rental until we could flip the property to an owner-occupant product.

Whether it is one or both as guarantors depends on the lender.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Here's why:- unless you strategically reported your taxes as making 100% income and not reporting an entire loss on your schedule e - you will most likely not find a lender who will qualify you for a HELOC.

If he doesn’t meet ALL your requirements, and you apply these requirements to all tenants, and he doesn’t have a co-signer who does, then it seems you are well within your right to reject based on those facts.tenant screening is super important!

However, I'm currently seeking a hard money lender who can act as a partner.

I even created my first LLC to start the fix and flip business, funding it with enough skin in the game, elsewhere hoping to use OPM rather than my own capital to fund these projects as it has been difficult finding a lender who is comfortable with loaning to me solely without an LLC.My goal has always been to match my W2 income and eventually double it and more so I can work as a hobby rather than relying on it to live.

A higher credit score can help you qualify for better loan terms.Debt-to-Income Ratio: Lenders often look at your debt-to-income ratio.

A great local lender that specializes in VA Guarantee loans will be helpful too.