This is a pretty simple deal for a bank/credit union in the area to do a DSCR loan.

I got a PA for 300k/FHA loan. 720+ credit score, 75k cash, and good income.

Right now, we’re carrying about $60,000 in debt ($40,000 in credit cards and a $20,000 car loan).

I have one lender that will go up to 85% but need 720 credit or better and 1.25 DSCR no rural areas

A quick internet search led to quite a few complaints by people claiming to be ripped off, had deals fall through, or simply getting the run around each time. 

I guess I could do some work-arounds -- maybe reserve one unit in the first purchase for use as an AirBnb, and reserve my own time in it when needed - instead of claiming it as a primary.Are either of you (or anyone) familiar with a finance product/loan that will allow me to purchase under $150,000 (w/ strong credit) and do much of my own work and live-in a portion as a primary residence?  

You have to know your state landlord-tenant laws; they are on the internet:"In New Jersey, a landlord may need to give a 30-day notice to pay rent before eviction if the tenant has a history of late payments and the landlord accepts them.

We have excellent credit and cash capital.

Keep your payment at no more than 35% of your income and minimize your credit card and auto debt.  

5C's of credit are a good framework to understand the fundamentals.