DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Had someone in mind who I thought would be great but he wants to add fees that I feel are unfair including $200 admin fee (on top of credit report fees) and mandatory 41.45 monthly for enrollment in their program which includes rental insurance and hvac filters, identity ins, and a few other little things.I've managed to keep costs pretty low for my tenants but realize I've been cheating myself. one is buying. 

If you have a lot of equity or if you bought the property when your credit score wasn't great (leading to a high interest rate), then it might make sense. 

I checked online and generally folks say Bank of Texas or local credit unions.Thanks! 

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.

Banks often have very rigid requirements, such as high credit scores and a detailed financial history as well as lots of paperwork.Private Money Lenders: Faster and more flexible.

If they understand that I am not responsible, I may provide a small rent credit as a token gesture.

@Travis BoydYou must have put down a pretty good down payment for only a $2400 paymentIf anything I would get a line of credit versus selling as you are also gonna lose the rate on your home and who cares if you are paying taxes over $500k is the way I look at it.

I am trying to decide whether or not I should go through a traditional bank (JPM), a morgage broker, or try and find a credit union.

no banks, no credit , no W-2, no proof of income needed.