Goal - Reach REP status if possibleDetails - Married-Filing Jointly.

If you don't want to deal with HML/PML, then consider looking for joint venture deals and partners.

Credit card payments can be disputed, checks/ACH payment.

you want to look at the bank statements like checking - personal or joint checking acct - not a business account.

For these options I’d start with the lowest rate option first then move in ascending order up in rate/cost but also consider the difficulty in getting the money and the time it takes as well (IE 401k loan takes 3-5 business days till the ACH deposit is in your account versus a conventional loan which might take 21-30 + days, or hard money 5-10 calendar days, fix/flip/bridge might take 12-18 calendar days).

You could each setup self-directed IRA plans and potentially joint-venture between the plans to pool funds for an investment.There are no taxes or penalties for moving from one retirement plan to another.While an IRA may be invested into alternatives such as real estate, it is still all under the umbrella of the IRA. 

I'm new to wholesaling and I'm doing a joint venture with someone to get my first property under contract.

I own a SFR rental property where I am the only one on the mortgage but title is held Jointly with my wife. 

If she does not qualify on her own, then any roommate needs to go through the same qualification process, and, they both need to understand "joint and several" responsibility... each is responsible for 100% of the rent if the other does not pay their fair share for any reason, including walking away.

Likely critter ate poison and died in there.Fill the gaps with steel wool and staple over 16- to 19-gauge mesh material that is fused at each joint and galvanized  to keep friends out.The whole property needs to be sealed up.