Far too many variables- I’m wrapping up a garage conversion adu right now for a customer and the permitting process was a bear.

I wonder why they even picked up the story.

Sounds shady...In other words, instead of bringing in cash you're putting up equity, nearly the same as cash.

A lot of the projects that are going on here aren't finished yet and new projects and developments are popping up all the time.

This means I can’t bump up my purchasing power.

An up to 80% LTV heloc could be an option. 

The lower downpayment is great, but the DTI will go up and still make it difficult to afford most multifamily properties.

I have every empathy for folks who are hurting especially from instances that are from outside of their control, but filing bankruptcy to get out of debt that she chose to sign up for and promise to pay for the sole purpose of getting ahead faster (her story, not mine) seems less than ethical and Bigger Pockets promoting it is questionable.

It's just another grab for the city to make up lost taxes. 

Side note on why some DSCR loans report to credit: loans get packaged up and sold to large servicing companies after closing.