The unexpected bonus was my personal credit got a boost and I no longer had any long term debt personally.

They stated they will be making a small trench but when done will be restoring everything back.  2 weeks later the side yard is a disaster. 

I feel we are encouraging bad behavior and many of these tenants who fell behind are going to leave when the walls of protection come down around them but negotiate forgiven debt and may even walk out with some money. 

Looking to develop acquisition strategy (not using tax credit equity) using with debt our equity and/or with partners), value add, HAP contract with MUTM potential a plus.On the other side of the same coin...

Or does the DTI debt amount increase the entire amount for both investment partners?

With a Heloc-funded downpayment you will be paying off the Heloc + your mortgage debt which would reduce cash flow.

People throw a fit about a slightly higher mortgage payment even though the appreciation, cash-flow, tax benefits,, and debt paydown far exceed that.

He'll take a home equity loan on his house and go into debt because he was told that unlicensed wholesaling is a great way to make a lot of money in a hurry.  

DSCR is Debt Service Coverage Ratio and doesn't require income verification.There are a lot of brokers here on BP that provide them. 

I don’t have any particular plans for the money other than to take advantage of cheap debt and use the money for downpayments on future buy and holds but I’m curious what others would do in this situation.