What exactly is debt to income ratio , does this only apply to credit ?

Worst case on maximizing cash flow is you miss out on a few deals but the flip side is leverage maximizes your losses in the downturn if you cannot afford to service the debt load.

There are loans where you can get the rehab dollars in the same 30 year loan and then the debt is all on the rental property, not your personal residence.

So my understanding its more complicated than residential loans..1) Debt to service ratio should be more than 1.2...What does it mean?

I have done a lot of reading and listening and feeling a bit overwhelmed.I’d truly appreciate advise on a strategy I can use to get started on my freedom goal.I am a 15-year Architect in Tampa FL with a focus on new Residential product for national home builders.I have 2 houses and a rural property.

Really no point playing in Austin if you're $450,000 in debt and have a credit score of 502. 

Is it possible to pay off their initial debt and then set up a sub2 or owner financed option?

So now am working a second job, paying down hurricane debt, and will start saving g again in a couple of months.

Is it possible to pay off their initial debt and then set up a sub2 or owner financed option?

If local lenders aren't interested, there are national commercial lenders who would probably consider this one.