Permanent debt commercial mortgages also generally will not play with an in-place DSCR below 1.25% (possible exception for very strong/experienced borrower, but such a person wouldn't be making a thread like this one, no offense. :).An interesting result of the 1.25% DSCR being more firm on the commercial side is that rent-to-price ratios and cashflows are better.

I married someone just like me.  3) I want a system that's as easy as possible for me to get receipts and information to the person doing our books.  4) our system MUST be secure. 

Personally I keep one account for each building and one account for security deposits.

I had a rental property that was running well, and my personality simply led me to sell the property.

Sounds like the opposite type of person you want in your asset.  

Then last option would be a "unsecured" personal loan where the bank offers up to $50K for example to pay off and consolidate debts.The 2nd and the personal loan will pay off debts and lower DTI and you might have enough left over for down payment or just use VA again.

Additionally, I am pretty set on house hacking and this area due to a new job that requires in person work, where a sub 30 min commute would be ideal.

Obviously 5 weeks of play time can be deemed personal use.

These loans almost always require a personal guarantee.

Hi Amanda, DSCR loans are becoming a popular financing option for investors since there are no restrictions on the number of loans you can have, and you can qualify based on the rents covering the full mortgage payment, no personal DTI needed.