I personally do not have a wife or kids yet, but I appreciate your desire to place time with them as your greatest goal.

Quote from @Rigel Cagbabanua: @Jalen Scott I might not get approved with a multi family home for now however I’m definitely getting one in the future when my finances are in check Remember in some cases you can use part of the projected rental income on the house you’re buying to offset the housing expense and help you qualify.

Hey I am also in KC and flip houses and do other investment projects. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Individual DSCR loans are best if your goal is to refinance or sell one at a time.

When speaking to the owner (building rapport), your main goal is to figure out which of these main 3 is most important to them.

@Matt Vandeleest Are your goals more for appreciation for buy and hold or short term cash flow?

Your goal in that refi period to to get as much of your cost of that bridge loan back and not leave much in the property at all. 

Ill explain my situation the best I can...Ive got a 100% remote corporate w2 Job making approximately 200k that offers a bit of flexibility since its mostly just project work.

It all depends on your goals, and what you're looking for now & long term.