We have credit scores over 730 and have been "soft approved" for around $750k. 

., a duplex or multifamily), you may qualify for a conventional loan with as little as 3%-5% down.HELOC or Cash-Out Refinance: Use the equity you’ve built in your current property to secure a Home Equity Line of Credit (HELOC) or cash-out refinance.

You are right , lot of variables and a very difficult comparison, thanks for the tip, will search the forum 

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.

Depending on the lender and program your biggest hurdles might be credit score and income and time in job. 

Any tips or advice would be much appreciated.

Small banks and credit unions focused on farm/agriculture tend to be the most aggressive with land/lot loans.

Just click on thelittle black triangle to the left of the name andrew thanks for that tip I was wondering how you get that info to drop down !!!!

Take for example, while representing buyers in single family transactions, during the negotiation, I ALWAYS ask the sellers to credit the buyer(s) up to 3% of the asking price toward the buyers costs.

For anything less than that with a traditional bank or credit union, you'd likely be looking at a portfolio product (the bank/CU will hold your loan and not sell it on the secondary market).