Is it time for me to seek an attorney or other real estate professional?

Additionally, inquire specifically about Non-QM loan options and whether they have experience assisting self-employed individuals in situations similar to yours.Remember to carefully review the terms, interest rates, and fees associated with any loan offer to ensure it aligns with your financial goals and investment strategy.

.- A lot of the trouble is finding a good, professional contractor that will STAY good & professional.

It may be a good idea to carefully consider your financial situation and long-term goals before making a decision.

I don’t care if my taxes are the same, or even slightly higher, if it means I’ll qualify for the loan that I need.I appreciate any thoughts or insight.

I’ve been a very passive investor but I’m looking into buying our first rentals out of state and becoming a real estate professional. 

I wish you the best on your journey and please don't hesitate to reach out if you want more information :)Take Care,Brian Bohrer

Be careful with the HELOC.

It may be beneficial to consult with a contractor and real estate professional to assess the best option for your specific situation.

2/1s  and 1/1s are great for travel medical professionals and digital nomads. 3/1s are a lot tougher to rent as MTRs.