We are selling a house with part loan, part contract /seller buyback. 

@Mark Kiser I have heard people dropping $25K for a mentorship program and taking out a 5 year loan on it. 

You can expect anywhere from 7-9% on a DSCR loan.

Neither does the amount of loan that you have on the property. 

HELOCs aren't like Fannie/Freddie loans where everyone is following the same rules of the road very closely with little variance.

I would structure this as a second home loan.

I have for things I already mark on my calendars, showingtime, extended client calls/meetings, etc.

Other paperwork in your loan file may be able to conclude how they treated the Occupancy.

You will also personally guarantee the loans.  

., using a full-doc loan... if its schedule C, you would need to do a 2 year average of this income in order to use it. its looked at as a business, and self employment income. if its schedule E, theoretically you could use the schedule E income calculations just like any other rental even after the first filing.