DSCR is a great tool to use when you are self-employed or you want to avoid using personal or business income to qualify.

I realize you wanted a paper trail for everything, but that loses you a lot of ground in personal relationships.

Not true but ok I'll go to bank the bank sends me a message today and says that in 21 the property was moved to an s Corp in 22 in was put in just my moms name then in 23 it was put in my sister and mom's name.

If you haven’t educated yourself on general investment strategy, then I would say that you likely haven’t maximized your personal business either.

That's how I invest personally.

@Daniel Stoychev for me personally I’m open to investing most anywhere if the deal is right by the choice between Cook County or not Cook county I will always go with not Cook County. 

I also co-host a weekly virtual meetup with my colleague Jamie Banks that you might find helpful called The MTR Connect.

I personally don't like condos for a rental property.HOA feesHOA rules that can change.

Correct, which means that "not on your personal record" is not actually factual.

Is there any banks offering a HELOC on a rental property?