anything you as a physician in Colorado could get into should be something that I as a non-physician in Pennsylvania can't know about and wouldn't be let into if i did. 

I love their reports which make it easy to send to lenders when I'm looking for portfolio and DSCR financing. 

A lot of lenders used to apply 35% for expenses, but in the last several years, the numbers for supplies, labor, utilities, taxes, etc… have increased significantly.Also take into account the age, occupancy and how has the property been maintained, this will affect the expenses too

Some lenders offer discounts to return borrowers so maybe look into both flip and DSCR rates when finding a lender. 

However, if the FHA interest rate is lower, I would still go that route and if rates drop refinance  however keep in mind FHA has PMI for life  Here you go FHA has the self sustaining requirement that requires the three non owner occupied  units to cover the entire PITI which with 3.5% or 5% down is virtually impossible with today's interest rates and price level.

Credit score- the higher the best. 760-780+ generally gets best pricing for investment property loans with most lenders.

Heck, you process debit cards if you insist for 1/10th the cost and non-reversible. 

Bought it for $300,000, it appraised for $375,000, and the gross rent is $2,625.My lender only lets me pull out 80% of the purchase price right now. $240,000.

Definitely call your preferred lender to ask though. 

-John You forgot to mention lender/investor.