Just thinking out loud here, I think there are 2 scenarios: 1) If your borrower would not have enough funds to close the loan without a partner, but brings forth an attractive property, you could come in on the deal as that partner, without having to cut down interest rates - you could just have the borrower pay their fair share of the payments (whether those are deferred, or not). 2) If your borrower has enough funds to close the loan with you on their own equity, there would probably need to be a reduction in the interest rates, and/or more flexibility on deferred interest payments in order to get in on that deal as an investor, on top of being their HML. 

Take your past experiences find some lenders get pre qualified ( just like anyone buying a home to live in would do) then put your deals together.if you buying a 23k home and putting say 30k into it and making 40k on it.. that is rock star territory... 

If you end up looking for a mortgage guy and can't find one on here let me know I have a local guy who is a broker and a rock star I can point you at.

Oh, Castle Rock has no restrictions, either. 

Currently trying to find a new CPA in the Charlotte / Rock Hill area. 

Very doubtful they would just provide you a copy of them without that contingency.  2)  Airdna rocks!  

They could each almost throw a rock and find a job. 

Looking for someone who can remove an old rock fireplace so we can update it.

You might have more success a bit north over to Round Rock, or like others said - San Antonio.So here's what I have -220k SFH in Round Rock (bought at 205 last yr)470k SFH in East Austin, very close to city - now up to 600k250k SFH in S.

End result for the investor is being in the "rock and a hard place" situation.