DSCR Long Term Refinance for 92K Value Property

[Tahsin Ishtiaque]

I am looking to refinance one of the investment properties that I bought last December for 75k. I was working with a lender and they did the appraisal and it came back 92k. So with the 75% LTV loan balance came out at 69k but they did not move forward as there was a late payment that was 12 months old. Now most of the DSCR lenders min loan amount is 75k and I am sitting around 69K. I am looking for lenders who will do rate term refinance for this property. Its located in Garfield Heights, OH and currently under conventional mortgage. Any help will be appreciated. Credit Score is 724. I also have another investment property in Lorain area that has been appraised at 102k and current mortgage balance is 68k. I would be open to merge these two loans and make it a portfolio if needed to do the deal.