Also I've heard of some DSCR loans that are not too far off from conventional rates.  

Conventional 20% down.

If you update to max number of conventional units, you will be able to add an ADU for each conventional unit

Account Closed said, income and assets are the only "hassle" with a conventional loan.

While rates may not decrease, the significant double-digit increases should level off.

Conventional 5% Down Loan (Owner-Occupied)If you live in the property for at least one year, you can use a primary residence loan with as little as 5% down.After a year, you can convert it to a short-term rental (STR).Loan types: Conventional (Fannie Mae, Freddie Mac)2.

One thing I continue to think about is how valuable 2-4 unit properties are becoming, and will continue to be, since Fannie/Freddie took the income restrictions from the 5% down conventional loan option for house hackers. 

Many of the properties I have been looking at have issues but in this case I'm working with the seller to let me get it up to conventional appraisal standards before they inspect it.

I believe United FCU is best. 20% down, usually a 10yr term (they offer a longer term though), and an interest rate that's pretty close to the current average for conventional loans. 

Conventional (only Freddie Mac See Section 5102.4 of Freddie Selling guide).