The prelim research I've done indicates that traditional lenders look for about 50% DTI to approve a loan.I have an annual W2 salary from my job, so my monthly income is basically fixed. 

Is it the process to be approved through the HUD Vash program?

@Trenton DossI’ve had this happen before so I’m really scared to trust someone when they ask for a deposit now and they push you to make a commitment or you won’t be approved.

I would start with finding a lender and see what you can get approved for.Good luck

They have charged me for fees that are a surprise on my statement - and when I ask them about it - they claim that my last account administer (who has since left the company) told them that I had approved it but never did the due diligence of double checking with me. 

I’ve made all my blueprints and details and they’ve been approved by inspector just need to submit for permit but I’m waiting until financial plans are confirmed, and that’s my question.

@Neil AggarwalBut you're saying in Texas the laws changed to where wraps have to be approved by the lender?

As soon as we were approved for eviction they tenants filed for bankruptcy. 

My question is, What type of loan should I refinance into that would also help me by giving me some type of line of credit to get approved for a rehab loan to buy an investment property?

With owing back taxes could I even get approved for a FHA loan?