@Joseph MuleroTo boost your rent plan and make more money in the medium-length rent market, think about these steps: slowly add furniture to the new place while you stay in your current home, pick cheap furniture, use a credit card with good terms, look into loan options like personal loans or home equity credit lines, try out the market by listing the place with few furniture pieces, aim for easy-to-change furniture for flexibility, and talk to pros like real estate agents or home decorators.

You should focus on a return on equity formula, which uses the asset value less loan value as the denominator.

That wouldn't be enough to just decide to move out for FNMA, but with a legitimate employment issue you've clearly demonstrated an intent that met the loan covenants. 

@Bryan Schmidt It sounds like you will need a construction loan to fund the improvements even if the seller were to offer you a second position mortgage for 20-30% of the purchase price.

Loan to value ratio: The higher the loan to value ratio (LTV) is, pricing takes a hit.

**Lower Initial Prices:** Buying early often means securing a unit at a lower price compared to completed properties.

I intend to build a home that will be rented out to offset the costs of ownership.I can find construction to permanent loans on second homes easily. 

DSCR loans won't use your income to underwrite the loan.

Thank you in advance. ( Also I'm in the middle of BRRR book so I'm feeling motivated ) I think the minimum credit score for a conventional loan is 620 and for FHA it's 580.

To me, plenty of free information on the internet on how to learn how to give someone with no money unsecured loan in the hopes they pay you back.