Can I do DSCR loan on a RTO property?

[Kristina Szwaja]

Hi, I am fairly new to real estate and have lots of questions. Currently have 3 properties including the house I live in. My question today is about a house I have been buying from an individual on a rent to own contract since 2014. I have never lived in the home and have always sub leased(rented) it out to others for the last 9 years. The owner is very helpful, understanding and willing to move forward with any route I choose. The question is….. if I try to get a dscr loan on this property would they use the 38,000 I already paid him as a down payment as my 20-25% down payment? 
orginal purchase price $75,000(2014)

And the portion that went to principal approximately 38,000 

Thanks in advance! Any help on this is truely appreciated. Also how to find and apply for DSCR loans??

[Kristina Szwaja]

Quote from @Kristina Szwaja:

Quote from @Jonathan Taylor:

@Kristina Szwaja I do not have a DSCR lender who would credit 38k. At 75k asking, you can put 25% down (18,750) and negotiate with the seller to refund the 38k after closing. That would solve your issue but also, the property value is so low, only a few DSCR lenders will originate the loan.

Thanks for the response. I greatly appreciate it. I am realizing that the lower amount is my hiccup at this point. If I went the route to do the full 75,000 and have him reimburse my other funds after closing do you have anyone that may do a DSCR loan on a 75,000 purchase? 
thanks