They will not ask for your income, W2s, tax returns, or employment verification.You have to decide which is more important lower rate and slightly lower payment, or ability to scale leaving your personal credit unaffected.Second option is to consider a HELOC on your investment property, we can go up to 90% combined LTV, 2nd position, min loan amount $50k, term length 10-30 yrs 

I am 28 yrs old in HouTx.

I was military for 29 yrs with a stay at home wife.

Well I've been running 1 for 32 yrs, not sure if it makes me good or not.

Carry 300K for 30 yrs at 6%? 

But being 60 yrs of age I need to concentrate more on passive for retirement income.  

Home Improvements:Here are some pending home improvement projects in the priority order I've come up with:Grading to mitigate intense backyard erosion (no gutters) which caused fencing to lean significantly (diy for $300)Landscaping for curb/backyard appeal ($700 diy)Termite stations with baith for 12 months ($1200)Fascia/ Trim replacement ($3000 trim is rotting and I don't want it to get worse and hit the beams)Gutters ($2,000)Fencing ($4,000 I need to get very stable posts that will withstand problematic clay soil on a slope)Roof ($7,000 it's the OG 2007 roof and every inspector I've had come out says that insurance probably wouldn't pay for a new roof because it's so old) Rodent exclusion ($1,200 evidence of activity in attic)HVAC replacement ($5,000 been paying for frion to be refilled that's leaked out once a year for 2 yrs but home warranty won't replace the actual unit, they do have a discount though) This has worked so far and I may do this another year to address the things above first.Long story: From 4/1/23-1/1/24 I either rented out or Airbnb'ed the two guest rooms while working remotely.

For example, if you need $10,000/month, and plan to withdraw funds for 30 years, and assume no inflation or market corrections (crashes), calculating the required initial capital is straightforward:$10,000/Mo x 12 Mo/Yr x 30 Yrs = $3.6MThis is an unattainable amount of capital for most people to accumulate.

While many have done well over the past 10 yrs, it’s unlikely you can replicate that income generation through REI without risk or effort.

I've been on here a few yrs here and there.