many licensed institutions offer the same exact product and better terms most of the time then private money still being no income no doc and welcoming first time investors .

Time is on your side my friend no need to rush the process and get levered adding tons of risk at such a young age with little income. 

I want to be a stay at home mom and plan to get back out in 3.5 years So I need to make the best of the double income currently. 10k a month in cashflow from would be great, currently at about 3k.

)- I'm wanting to open a HYSA for holding the two deposits and then a checking account for the house as a whole for repairs and income collection etc...

Can I qualify for this purchase using my husband's income, even though he will remain in British Columbia while I relocate first with my kid to our new property?

They will pay high prices to meet needs that are not income producing - they are shopping for a different product that is provided from the same stock that our income properties come from.2. having deep enough knowledge of the neighborhoods to allow us to recognize a good deal takes a lot of time.

The Bank in Florida won't give me the H.E.L.O.C because of the property in Puerto Rico and in Puerto Rico I have to be a resident of the Island and Line of Credit are base on income not on equity. 

Then it is time to invest in real estate.There are other legs to the three legged income stool… appreciation, and mortgage pay down.  

I am a newbie, about to buy 2nd property; but still don't fully understand this.Side note, how does the Corporate Transparency Act effect this?

If it is a percentage, it is a percentage of the entire income of the lease.