Investment property HELOCs are hard to find but a closed end 2nd mortgage on an investment property is going to easily be in the 10s and up for an interest rate.More about DSCR loans:DSCR loans won't use your income to underwrite the loan.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.Here's a bit more in detail about how rates are calculated for DSCR loans:1.

I would read the Actual subordination agreement online myself though.

The topic of tenants using fake id online is concerning and poses potential risks.

Would the potential rental income count towards offsetting the mortgage?  

A huge reason why I decided to travel was so that I could make more income allowing me to invest in real estate.

Wholesalers always like experienced investor but people just starting also need deals and they simply just don’t know to go to wholesalers if you can build their trust of wholesalers it can go a long way, then introduce them to hard money as a way to finance the rest of the deal- they don’t need income verification with hard money good luck :)

If you are new to this type of investing, I suggest you pick up a copy of Lend to Live: Earn Hassle-Free Passive Income in Real Estate with Private Money Lending published by BiggerPockets.

It's total income for the year minus ALL expenses and hold backs.Of course you want to make sure you make enough in occupied months to cover vacant months.  

College students/people with job Mon-Friday in city/ people limited income rent a room.

With our income combined we can afford the homes in our area and further out, however separated we can't.