I own 3 single families free and clear their not used for income (2 vacation homes and a primary) 1st year business  gross sales 600k.

If you're looking to aggressively grow your portfolio, then I would put as little down as possible (hoping that you're not planning on living off the rental income any time soon). 

Hello everyone, I am looking for a lender to provide a second lien on multiple single family rentals, but which is not based on personal income.

If you had a side hustle lets say with an LLC (has its own bank account, expenses, income, etc) You could most defiantly write it off under "education expenses" 

All of which has helped me reduce my taxable income resulting in me getting $$$ tax returns (which i don't hate)Last week i received a text from MJRESOLVES (never heard of them).

So YOUR investment of $200,000 is now worth $1 million after 15 years, AND you own an income producing property that is completely paid for!  

For my calculations I take 15% of my potential gross income (PGI).

One of the reasons for this is the ability to generate passive income.

However the property is still under my name, Do I have to report taxes for the SM LLC (which has its own EIN) that technically has no income?

There is an abundance of supply, high price tag, it's more of a corporate travel town than a vacation destination (meaning that 1-2 bedroom units are in most demand, which puts you squarely in competition with hotels).