Interest only on 30 products used to be decent but now for what you save in the interest only period you really pay the price later when that period ends.If you are getting under value by 30%, then a plain FRM should work fine. 

I would suggest you use a different non-qm loan product that allows for family members to occupy but doesn't require you to make it a primary residence.

I wanted to add to the Why, should a investment property buyer use a DSCR program over a Full Conventional purchase or refinance, as we do all programs, whether for a primary, 2nd home or investment property.Currently Full doc loans, meaning using tax returns (2 years) for qualifying can be tedious work and interest rates are higher compared to our DSCR products, since on Fannie Freddie conventional loans require LLPA's ( loan level price adjustments) added to the base rate.

What types of products are you seeking?

This ruling focused specifically on irrevocable grantor trusts commonly referred to as Intentionally Defective Grantor Trusts (IDGT).

It might be a good idea to look into what tech related companies are emerging with real estate-related products.

There are still down payment assistance options or portfolio products for lesser of a downpayment but your terms on those are worse. 

I agree that tariffs can be justified against certain countries like china on specific products where their govt is clearly subsidizing the manufacture of those goods and dumping the products to try to run the competition into the ground.That being said. 

Deductions are a matter of legislative grace and the taxpayer bears the burden of proof, both of production and persuasion.

AS John points out, yes, we do have LOC products for investment properties in Texas.