Alternatively, DSCR loans offer long-term financing with lower rates, but they come with more complex requirements.

So, you're actually making the argument *against* debt (not for it).I think you mis-understand debt, risk and the alternatives.

Alternatives are college courses, textbooks, and engagement through web searches.  

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

From my experience working with over 400 investors, consider alternative strategies like rent-by-the-room, buying an SFH with an ADU, or renting where you live while investing elsewhere.

Specifically, must this be a commercial/business loan type where you have higher rates and shorter loan life or is there an alternative loan type? 

Should you want to, negotiate alternatives thereafter. 

Alternative is to get a board certified real estate attorney to assist you.

There are alternative programs out there with reduced cost, but you are typically looking at 20% down. 

Alternatively, put it on the market and give the tenants notice keeping in mind that showing times will have to be done with 24 hours' notice to the tenants.