I understand the debt to income ratio is pretty lopsided at the moment but I believe there are ways to at least make a few moves in the real estate game.

Check out my profile for more detail, but the short version is: I was a Realtor/Loan Officer in HI between 2004-2006, so I understand that aspect.

@Jay Hinrichs From my understanding, the original tax lien was around $100,000, and the sellers were able to negotiate it down to the $66k.I will indeed be using a 203k loan, and live in one of the units. 

I find myself in the same situation with an 6 family and want to understand can rents be raised to market and also my ability to BRRRR the property which will require vacancy. 

I've gone through a few agents this year because most of them just dont understand what makes a good rental.

If you are buying larger multis out of state in up and coming economies and locations instead that is understandable too.

I always do to give them an understanding of the type of property I'm looking for.  

I don't understand how I would make enough money in that year to be able to afford to pay the hard money lender back and also have the money to get a new traditional mortgage.  

@Marvin Spears I understand very well how mortgages work, and how short sales work.....apparently you do not.  

I understand that real estate is a lot of work and currently I don’t have the education for it, so I took it upon myself to do some research and found Bigger Pockets.