This could be through finding ways to increase the rent on your existing properties, taking on additional work, or finding other income streams.Reducing your current debt levels can also improve your DTI ratio.Improve Your Credit Score.Look into various financial institutions, including community banks, credit unions, and online lenders, which may have different criteria or offer programs for investors.Since portfolio lenders retain their loans in their own portfolios rather than selling them on the secondary market, they are able to provide greater flexibility.

Let's talk about Capital Gains Tax.

If you lived in the property for 2/5 prior years you could sell without capital gains.

The question is, if they decide to sell, how will that work with their chapter 13 plan and what happens to the capital gains?

In addition to identifying owner-financed homes, they can negotiate better interest rates and terms with the seller and assist you in completing the transaction.

Should I agree to this so I can make some additional income, or is this opening a can of worms that I don't want to open? 

It was sufficient for its purpose but will not provide me with any additional equity with the bank down the road to be used as leverage for the future.

They specialize in quick and fast loans that will come with credit card like interest rates.Here are some additional tips for securing the best mortgage rate for your investment property:Build a strong credit profileSave for a larger down paymentShop around for lendersConsider different loan typesDemonstrate a stable IncomeChoose the right propertyBuild a relationship with the lenderBe prepared with documentationConsider interest rate buydownsMonitor interest rates

But to gain the trust of guests, having a listing on Airbnb and VRBO is important as well!

So If I understand this I would be looking at base rate +4.125 then whatever additional rate the lender is adding on, minus points to buy the rate down?