DSCR loan vs investment loan that considers rental income

[Amy Mead]

Hi I am looking for a loan for a short term rental property purchase. Can someone explain the difference between a DSCR loan and an investment loan that takes the rental income into consideration? Also, I have cash tied up in receivables in my primary business; to close, I will need to use funds from my HELOC. Is this going to be a problem for either of these two types of loans? We have excellent credit and equity in two properties. Our personal debt to income does not quite cover this property but with its rental hx and strong vacation location it cashflows (up to a certain interest rate).