Does using a stock investment backed portfolio line of credit affect the debt-to-income ratio for obtaining conventional Fannie Mae & Freddie Mac loans?

The best way for you to obtain that 1st property is to house hack.

We had a failed septic test that allowed me to negotiate down further and obtain a rehab loan including septic replacement.

What is your ability to obtain financing?

if they don't, I doubt they'd add much value.Certified International Property Specialist (CIPS) is a designation that realtors can obtain.

I saw a youtube video of a woman in Atlanta doing it at her county recorder and it was as easy as walking up to a desk and paying $14. unfortunately for me my assessor/recorder  is currently closed to the public due to covid. i called them and they said that the only way currently is to send it in by mail and that could take 6-8 weeks to actually be recorded on the property.

And when I had to obtain health insurance for my family, state law requires me to also cover my employees.That's why I set up a separate C Corp management company for my rentals.

Alternatives;If you have a decent job (I assume this means you're a credit worthy borrower), decent cash in reserve, no debt etc. obtaining a (civilian) traditional loan isn't out of the realm of possibilities.

These figures all contribute to your total cost of capital, and represent important points to consider as you go about obtaining a loan.Term length: How long is the loan?

Consult proper legal professionalisms to obtain their counsel.