well without a PG they would have to prove some sort of fraud..

Go guarantor-based or personal to control the deal, then pair it with a short-term rehab/bridge loan that funds most of purchase plus draws for repairs; use the entity as borrower with you as PG so you can refinance into DSCR once stabilized.

You could do a VA in Bremerton and an FHA in DC.HUD 4000.1 pg 133 (ii,7,a), specifically states that a military member in your case would qualify for a FHA loan back in Washington, DC with your soon to be spouse (congrats btw!).

If your lender expects you to personally guarantee (PG) the loan, this will cause tax issues with your SDIRA.

Whether it impacts your DTI depends on two variables - whether or not you PG the loan (you will have to in most cases), and the guidelines of the loan program you are qualifying for.

I just did a pretty intensive search of PG County for an investor client and deals are available right and left if you're willing to be creative and think through various options.

The challenge is two fold, you basically need a higher rate, lower DP bridge loan to get you to 12 months stabilized, and then also want/need it to be no PG.

When have I ever not said that someone wouldn’t have to PG?

@Erik Estrada yes and no, while you do have to disclosure it; when using a conventional loan, a property titled in an LLC with the loan not being on personal credit is looked at differently (not a personal expense) even though you are a PG.

So while the tax break is nice, it means you lost money.https://www.irs.gov/pub/irs-pdf/p527.pdfYou can also deduct depreciation of real property, including rental property, as long as it is held for more than one year (see Pg 5 of the last link above).