I've handled this situation a few times, but I'm looking to up my game.  

A 30 year mortgage puts you in the game where you can write off interest rates and other real estate associated expenses.

Both of these groups don't charge an application fee.DFWs current rates are 2.5 points and 13% interest up to 90% LTV (this is loan to value which means you will always have to have 10% in the game as the project progresses) and up to 75% of the total project.Zues' current rates are 2.95 points and 10.95% interest (interest is only paid on money that has been drawn - only place I have seen that does this).

If you live in Sandy and have a duplex in Midvale its easier than having 2 single family houses in different locations say Cottonwood Heights and West Jordan.The final part I would bring up is Multifamily units will be easier to be used for portfolio loans in the later games because it meets the physical definition of packaged real estate.

My game plan was to make improvements with some of the money we made on flips, but I need some of that money to pay my personal bills and it’s just seams like a slow process.

to answer your question - yes the 3,000 is on my tax return, but only for one year.thanks for the Co-borrower game plan - didn't think of that one, although the only person I can think of doesn't make enough money to qualify for a roll of toilet paper Hopefully there are other loans besides conventional that I can explore 

At this point they are playing the waiting game with the company/agency.

I  guess I was too long out of the HM game.   

I know the larger/commercial property managers play this game of overcharging based on a "comfort fee" and have the volume to back up this strategy. 

Obviously we are new to the game so we are learning as we go.