We'd like to put a portion of this down on a second, better house for us and rent our current place or buy a second home / duplex  to rent out.We would be cash positive on our current place by a very healthy margin if rented even with the cash out refi factored in.We have the opportunity to buy a duplex right now that in our conservative estimation would also be a cash positive situation if we can get the financing right.  5% down, 30 yr note would produce around $900 cash flow with conservative estimates on what each side would rent for.The problem I've run into is the first couple of lenders I've tried are saying 25% down and no more than 15 yr note which kills the deal for us. 

DSCR will look at the income the asset is producing rather than your income. 

I’ve made the move from doing deals for pure income, to a mix of income producing plus cash flow, and towards the end of 2019 I was considering how to start to mix in some wealth building activities.

Which I think the other member would not like because the valuation will more than double and at this point none of us can quickly produce the liquid cash for that

I can do research, telemarket, produce and send yellow letters, basic bookkeeping, or whatever. 

@Alecia Loveless I don’t put much weight on sales comps when looking at MF. 2 exact buildings can be side by side and be worth two totally different prices based on the income it produces.

So even if your income producing asset is out of state and taxed.

It will produce those reports you are looking for.   

If you start a business, you will be working more than 40 hours a week but producing a lower than average income for at least a couple years.

Your wife might qualify, depending on how much real estate work she will be doing and her other income-producing activities.