DSCR loans are available, closing costs and rates may be higher but I have seen 80% LTV cash-outs on the private side with no DTI, tax return, or employment requirements with much fast close times / less seasoning.

Jobs will rarely give you the kind of money you need to invest, but if you can mix hard money, crowdsourcing, business credit, and one-to-one private money, you can focus your attention on buying houses below market value and either flipping them or rehabbing them, renting them, and refinancing them.I prefer the second method because it allows me to keep a flow of cash growing behind me, but to make it work you need the best deals so you never have to leave your money in the deal.

I'd also say the layout of the units will have a lot to do with how successful the rent by the room method would be. 

If you recommend the non-degree seeking course method, what classes would you recommend? 

- Give clear and detailed instructions of what you want done- Pay them consistently, on time, and in full (surprisingly people don't do this)- Give them consistent work/employment- Don't try to nickel and dime, be willing to pay more. 

I haven't necessarily brought this up with my employer, but I also don't want to get ahead of myself (i.e. take the MLO/Broker License test and then cause issue with my current position).Ultimately, the plan would be to get my MLO/Broker License, and operate my own mortgage brokerage.

And if you spread your indexing over different crediting methods you can insure that there will never be a 0 either.These products are complex and need a good agent who knows how to optimize your policy to minimize the fee (and his/her commission) and maximize your return.

Looking for LL/tax friendly state, duplex or smaller MFR with established employment/education/rental base. 

I have a Roth 401K through my employer, which includes my personal contributions, employer match, and an additional employer contribution.

I don't mind Boarded homes as i am looking into the BRRR method for of the properties in the area. it just needs to have a good upside for refinancing.