So, she stayed at home with the kids and I busted my *** on the weekends to make up that extra money. 

Now a permanent buy down option (where they just pay points in a traditional manner) can solve some minor DTI issues.  

I do think remaining debt free (aside from a mortgage) is the best option. 

Anything extra is gravy, I guess you add "diversification" to my portfolio with being an REI but I could care less about that. 

The Rev Share from agent attraction is an OPTION that we have to make additional passive income on top of our commissions! 

Also hearing about FHA, but does not seem to be an option with our lenders, have found 10% down, but not FHA.

I would get ready for other options as well.

DSCR loans are a great option for anyone that doesn't fit the conventional "box" - DTI isn't a factor, no employment info needed, no W2s, paystubs, tax returns, 1099s, etc. needed, you can close in an LLC if you want to and many lenders don't report to personal credit, so those loans won't affect your credit score/DTI for any conventional financing you might pursue in the future.

Does anyone know any other options out there ?

Zero credit facilities or mortgage options and investor lethargy.