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.

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

@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.

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.

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.

0 down with conventional mortgage loan with PNC, seller dropped the price because at the time, he had 2-mortgages to pay.

I have a town home that cash flows $600 a month at an interest rate of 3% ($250k left on the loan).

Would you use the DSCR loan or is there a better product out there?