Advice Needed: Loan Options for SFH under $120K

[Michael Moya]

Hi Bigger Pocket Community - Looking for some insights and advice on loan options for single family homes under $120K. I'm looking to purchase a single family home as an investment property (buy and hold strategy). I only have enough funds for a 20-25% downpayment and was looking to do a DSCR loan to cover the rest. I do not have a traditional W2 job so I can't pursue the typical conventional loan or a FHA since I don't have income (hence the DSCR route).

However, I've seen that most DSCR lenders do not lend if the loan amount is less than $100K. Does anyone have any creative financing advice or any insights? Thanks so much!