@Christy Philippoff cash for keys is playing with fire unless you are very experienced.

Your DTI will not play a role. 

There might be plays in the commercial space right now with the effects of the pandemic, but I know little to nothing about that world right now.That's why i'm personally investing out of province (despite desperately wishing I could stay local)

I’m curious if any of you would share some manner of “risky” financing that you engaged in, from top-of-buying power down payment + conventional financing to short-term or private lending that you really weren’t sure how you were going to pay off, but you played right, worked out, and you and your lenders were happy with the results?

Please understand that I have moved on to looking for other deals and I am not active perusing a dead end.

Just to be clear, the play here is to purchase a fixer upper for say $100k cash, put $20k into it, have it appraise for $150k, and then take out a traditional 80/20% loan. 

I am not an attorney nor have I played one on TV. 

There are joint-ventures that you can accomplish this however it's about everyone playing a role.

I reserve larger increases for when a unit turns over and that's when I play catch-up for any big market swings.

You’re personally guaranteeing this so your credit score and DTI ratio come into play during underwriting.