Do you have any real life experiences or programs that helped you build credit quickly?

Well, there is no such thing as a "a bonafide RE Investor Coach"-- basically there are a lot of good coaches and there are some quacks to will sell you a program and offer little to your success.

You mentioned that you were denied because of your wife's work history, which implies you needed her income to qualify for the loan.Because she has not worked full time for the two years required to use her income to lower your dti's, you were denied, not because of discrimination.Your 100k income and 760 fico scores sound impressive, but don't matter if your dti's are too high.Try contacting a mortgage broker in your area that can get you wholesale rates vs the retail rates BAC would charge and this may be enough to lower your dti's, otherwise the mortgage broker may be able to offer you a different loan program that would help you qualify.Good luck and keep us posted.

After the completion of the 4-plex I will have about 50% of the total project in equity due to a program I'm using.  

I landed here while I was looking into the FHA 203k program--this was one of the few places with people who'd actually done it. 

HeyHas anyone had any success using the program by Cris Chico Virtual Wholesaling.

I have not had the best experiences with section 8 and don't accept the program. 

This legislative session they were asked to sponsor legislation to allow for an out of court binding dispute resolution process that would empower home owners in enforcing HOA laws with an affordable, expeditious, and accessible venue to resolve disputes (a process recommended in a State HOA Study); end the abusive, excessive, and illegal HOA Transfer fee on home sales that costs home owners millions of dollars each year; to limit the excessive collection of fees and lawyer assessments on HOA debt; and most recently provide financial relief to small HOAs in the property manager licensing program.

If she is an older grandmother type, there are other issues to consider about her estate regardless of it being tiny or very large, what is her health like, will she need medical assistance in the near future (3 to 7 years) where is she moving to, must she have a lump some or can she use a small income from the property, will her selling effect any benefit program she may be qualified for????

The FHA just lowered the mortgage insurance premiums as well, making it an even better option.There is also the Conventional 97 loan program that Fannie Mae just brought back.