The property cash flows well and has enough equity.There are more than 1 lender who can do 2nd liens compare quotes.

All that to say, PMLs are usually more concerned with the value of the property and will lend at a lower LTV regardless of ATR (ability to repay) because they know they can take the house for 65 or 70% of the value if you default in a worst case scenario.Hope this helps!

A couple more questions for y'all:- Anyone have experience with CO Springs real estate or assuming a VA loan as a civilian willing to share their experience?

sent that question to 1031specialists.com- they will get your question answered and more help if needed

I am trying to establish a framework here to help me scale.

Someone had mentioned that the option they want is WAY more expensive than an owner's policy of title insurance. 

I completely agree you will want to see what features the high performers have that makes them stand out and earn more, that is also included.

If Architect/Engineer sign-offs are required, it may be more.

Use that as your backup plan.There are probably more investor agents at Keller Williams than any other brokerage. 

Are there specific lenders you recommend for more flexible terms despite credit challenges?