It sounds like it should be a simple process since there was no income.

You could also use the current home to pull out a HELOC for the DP of the next FHA home.Make sure you are talking to an experienced Banker or Loan officer who has handled multiple "Gift of Equity" type transactions to avoid drawn out process or issues in underwriting. 

Standing out is key, so maybe this is more of a question for a design/creative type.

So why waste time & money on Oakland 4plex when that student bought over 100 homes last yr with the same simple process!

I need this time to make the renovations and bring rents up, process evictions, etc.

ROI gives me everything I need and I understand the process.

On your current properties, though, this raises the danger and leverage.Partner with Additional Investors.Speak with a Mortgage Broker or Financial Advisor: A specialist can guide you through the mortgage application process and provide tailored advice.

I am finishing a property and would like to rent it out and refinance and repeat the process.

For commercial the gold standard designation is CCIM, so once you get licensed start working on that. 

The chemicals interfere with with enzyme process.