DRSC for potential rental

[Heather Watson]

Hello! I live just outside New Orleans and I am looking to purchase a house in North Georgia that I will use as a short term rental property.  The house has a small basement apartment that is already occupied by a long-term tenant who is willing to stay, and the main level will be STR.  I have pre-approval with a mortgage lender.  Because we are self-employed, this loan is requiring 35% down of $115,000... which is more cash than I have on hand as I was anticipating a 10% down payment.

Here are my questions, any direction will be greatly appreciated!
Would it be possible to get a DRSC for just the down payment amount?  Or does it need to be just the DRSC for the full amount?
Will DRSC lend on a property based on estimated short term rental income?  The house is not currently STR but there is a ton of STR in the area.

[Caroline Gerardo]

DSCR is not for down payment

Few DSCR lenders do loans under $250000

What is long term rents for both units? Needs to exceed $870 a month for 20% down.