Far too many variables- I’m wrapping up a garage conversion adu right now for a customer and the permitting process was a bear.

An up to 80% LTV heloc could be an option. 

I have every empathy for folks who are hurting especially from instances that are from outside of their control, but filing bankruptcy to get out of debt that she chose to sign up for and promise to pay for the sole purpose of getting ahead faster (her story, not mine) seems less than ethical and Bigger Pockets promoting it is questionable.

I manage my books currently, but since we bought a new property and I have a full time job, it seems like a lot to keep up with the books.

I want to open up the HELOC to have as our emergency fund so I can deploy some of the cash we have saved up right now.

The lower downpayment is great, but the DTI will go up and still make it difficult to afford most multifamily properties.

A lot of the projects that are going on here aren't finished yet and new projects and developments are popping up all the time.

For me Airbnb is second fiddle to Vrbo, but I digress.Sounds like you have tries every thing reasonable.

Side note on why some DSCR loans report to credit: loans get packaged up and sold to large servicing companies after closing. 

So it's just extremely unlikely that you'll be able to generate a return that would justify paying the taxes in 1 or offsetting the interest you'd pay in 3.If you save up and buy a traditional LTR at or above the median price, you'll likely be break even or negative.