I went back in and changed the following: - Added my acquisition financing amortization time- Increased my closing costs for the acquisition loan - Changed my purchase price to $60k to reach the target LTV you mentioned in #3- I also added in monthly holding costs which I totally spaced.

I really don't want the situation to get any worse than it already is, and don't want anyone to get sick, including me trying to remove it myself.

Analysis over time - everything just increases 1% each year?)

If you're trying to get a conventional Fannie/Freddie loan asking another bank won't help.Your issue is they cut off at 45-50% max DTI and you are currently at 65%.You need to get rid of some debt, increase income, get a co-signer or look for non-conventional lenders.

So we slowly increased budget, scope, materials, time, etc..

I at least think you need to have a tiered payment that increases the price with the number of projects.

- Do you lower your CoC and monthly CF as interest rates increase or do you look for a better deal? 

From what I see and read, I don't think there is a loan that would allow me to do this, so I am thinking I have to get creative, Unless I am unaware of an option out there... but any advice is appreciated :)I am aiming to buy a house in the Atlanta area that I can improve/fix up to increase the value, but instead of selling it quickly as a flip, I would like to live in it!

A multi family is your property and you’re your own boss plus the property value will increase faster than a condo will.

., if the property is located within the official boundaries of an urban renewal or urban redevelopment district, the investor can make repairs, upgrades, additions, all new construction, for any type of property, and the redeeming taxpayer must pay the amount the property increased in value because of that.Just because there are tax or other incentives for neighborhood revitalization does not mean it is an official urban renewal or urban redevelopment district.