With commercial DSCR loans that have prepayment penalties, (could be similar with other products as well) if you make a principal payment before the pre payment penalty expires, it will trigger the fee.

Sometime this year, my wife and I plan to get a primary residence using an FHA loan.

You obtain the best loans from small local credit unions and banks aka portfolio lenders that hold the notes in house.

Can you qualify with IRS income taxes, credit and 80% loan to value non owner in the future?

Since this would be considered your course of business because it is not a one off, you should also look into things like using 3rd party servicers etc. to maintain compliance.If you want to do it right, then yes use underwriters to review the loans and treat it as if you were Wells Fargo originating a loan to yourself.

@Paul Malandrinos Well, I'm guessing you have a conforming loan under your name... 

Purchase price: $33,415 Sale price: $82,500 Fannie Mae House purchased with a construction loan to make imporvements and rented until sold in 2022.

Interest rates are so high it seems impossible to build a cash flow positive portfolio using loans.

However, I'm burdened with credit card debt, a HELOC, and a personal loan.

It's the same work to do a $55K loan as a $500K loan so the fees will be higher due to the loan amount but will still be much lower than what a lender or broker gets paid on a higher loan amount.