DSCR loans are extremely flexible compared to conventional loans.

For rentals, you’re typically doing long-term conventional type financing.

HELOCs for investment properties are 2x higher in rate usually due to the higher risk factors placed oon them by fannie/freddie and a more conventional risk assessment is applied when underwritting them.

Quote from @Elias Halvorson: You probably can still do an DSCR, with a letter of explanation on the lates if you wanted something now, otherwise you can wait 5-7 months until those lates are no longer in the past 12 months and do a conventional loan  with better terms.  

Rate buy down(s)- In addition to a conventional interest rate buy down, or prepaid interest, certain property types such as primary and second homes can elect for 2/1 or 3/2/1 rate buy downs, or seller paid, prepaid interest.

My wife and I relocated recently, and we are starting real estate in another Province, so we need two years of proof of income to qualify for a conventional mortgage.

You listed two but in broader terms financing (assumable, owner financed, sub to, fha, new 95% OO LTV that in most ways is superior to FHA, dscr, F/f conventional, NACA, VA, etc), value adds (development including ADU, upzoning, traditional rehab, sophisticated value adds that leverage localized rules, coop/tic, etc),  property types (residential, commercial residential, land, storage, MHP, industrial, office, camping, hotel/motel, etc), passive/active investment methods (GP, LP, REIT, nnn, self managed, pm, flipping, mineral right, lumber rights, etc), residential rent models (LTR, STR, MTR, rent by room, student housing, arbitrage, etc).  

Account Closed    For a conventional loan IF the rental income is not on the tax returns because, for example,  you purchased the property in Jan of this year you can use 75% of the lease to cover your debt.

@Sam FaasTypically homes need major work and do not qualify for conventional financingAs noted they are typically overpriced.

Was conventional loan on a non owner occupied property at 60% ltv on a cash out refinance.