I'm assuming your offer would put it in a short position if you're looking to pay less than the listing price.

I am going to be able to save more money soon to buy a property that can have positive cash flow. what do you think about my point of view?

All goes according to plan my fiancé will have a real estate license by the end of October and I will start my next full time job on Oct, 8th.I am concerned about my eligibility to obtain a loan and would like to know if anybody has advice on how they would go about tweaking numbers by paying down debt and lowering the down payment to lower the Debt to income ratio to get approved or if they think I sound like I’m in a sound position.

Just remember that getting (and maintaining) your license costs money and time.

This is obviously a great equity position.

I conservatively use 0.7% as cash flow positive with 80% LTV. 

Think of a mechanic that is telling you to buy Car Model A over Car Model B... they are the ones in a position to know that Car Model B breaks down all the time, based on what they see rolling (or being towed) into their shop. 

like buying a 1st position note, but you're buying it from the government? 

I did managed to get 1 mortgage company to offer me a loan, but they quoted me 6%+ on the loan.So an option i have been thinking to do is just place all 5 properties up for sale, because if i can sell them all i would walk away with around 285k in positive equity based on current market vales on all of them, then 1031 exchange into something local since im not longer in the military.

We don't plan on using the same business entity for our rental business.I asked them about portfolio lending and she got back to me with some responses that are positive but now I'm feeling kind of LOST because I'm still in the baby stages.