Personal loan for the purchase price - the high-interest rate was built into the analysis.0% credit card offer for the materials - the offer is good for 14 months, if SHTF and I can't refinance, I can always take advantage of a balance transfer to another card to restart the clock for a few hundred bucks.Contractor in the family for labor & materials that he provided - I offered him 10% interest for anything he provides.

Card utilization (balance / credit limit) affects your credit score. 

Interested in a balance transfer of funds from my business credit cards to a bank account for REI.

Once you close, make normal payments for 3-4 months and then slam in as much as possible.1) Make sure you get an ARM so the new balance reduces your monthly payment2) Make sure there is no prepayment penalty

I respected that and felt he was fair and balanced.)Once you’ve made your case, it’s in the judges hands.

I'm in a classic dilemma:Strong credit 740+Net worth >$2.2M (primarily in equity, so not easily liquid)Great track record in real estateSelf- Employed in same industry/field  for many years, with YoY growth in income.Almost no revolving debt (two car payments and varying credit card balance, but minor)Tax returns UNDERSTANDABLY write off as much as possible (income looks low), so QM lenders can't read between the lines.Debt/Income ratio is high (55%) when considering tax returns as the source our net income and then mortgage payments on my 4 properties (not apples to apples).Asset based qualification seems to be a rare process?  

They offer 1.5% cash back on charges, and 2% balance transfer fee to pull money into my checking acct. 

I guess I was looking at the coc return but maybe I need to balance that out with unseen costs.

Current balance 1.04mOption 1: 1.2pt 4.5% IO for 5 years, then 25 year am.

The purchase price for the property is $285K and their mortgage balance is $280K.