Perhaps take the money you would put towards the property and apply it to the stock market.

I've applied to several hard-money lenders and I've been denied by 3 of them.

As for the SFH, the lender that is helping me apply for the néw purchase is the one that gave me the thumbs up to move forward - so I’ll double check with him but even if things moved very fast it would be 11 months of me living there before I could move   I’ll triple check though!

Here in Michigan, the assessed value is 50% of market value.If something similar applies to this property, $90k assessed value would imply an estimate market value of $180k...

We will apply for the loan jointly as individuals and not with an LLC or formal partnership.OR would it be better if I put all the down payment and limit the partnership to using his income for the loan approval?

Turned out not to be the case because after going under contract and starting the mortgage financing I read the small print in my distribution form of the 401(k) that a mandatory 20% tax withholding will apply.

Ive applied to multiple credit cards but haven’t gotten pre-approved on any yet.

I’ve applied for multiple credit cards but haven’t gotten pre-proved for any yet.

Apply at banks (lowest paying rung but three days of training are free).

Thats kind.In another recent thread on DSCR lenders (google able) basically commercial lenders for 30 yr fixed rate rental loans that do not depend on your income (DTI), low reserve requirements vs FANNIE (AKA Bank loans) and today insanely low interest rates;    - lendinghome - easy to apply and mostly automated application and underwriting system.