DSCR loans specifically can be pretty FICO score sensitive. 

I'm hesitant to give up my conventional loans on the next cash out refinance for DSCR loans.

More on DSCR loans: DSCR loans won't use your income to underwrite the loan. 

This seems ridiculous to me considering that's almost 40%-50% of the loan we are seeking.

We are needing to refinance a loan that is maturing.

I've seen programs that go down to a $100,000 USD loan amount for foreign national DSCR loans.

States which DO NOT require licensing for originating or negotiating a loan secured by commercial real estate nor a loan secured by non owner occupied residential real estateALASKA ARKANSAS COLORADO CONNECTICUT DCDELAWARE FLORIDA GEORGIAHAWAIIIOWAINDIANAKANSAS KENTUCKY INDIANAKANSAS LOUISIANAMASSMARYLAND MAINEMISSOURI MISSISSIPPI MONTANANORTH CAROLINA NEBRASKANEW HAMPSHIRE NEW MEXICO OHIOOKLAHOMA PENNSYLVANIA RHODE ISLAND SOUTH CAROLINA TENNESSEE TEXAS WASHINGTON WISCONSINWEST VIRGINIAStates which DO NOT require licensing for originating or negotiating a loan secured by commercial real estate but DO require licensing for a loan secured by non owner occupied residential real estateIDAHO MINNESOTA OREGON UTAH VIRGINIA States that DO require licensing for both residential and commercial real estate loan origination and brokeringARIZONACALIFORNIAILLINOIS MICHIGANNEW YORK NORTH DAKOTA NEW JERSEY NEVADASOUTH DAKOTA Does this still hold true for 2025? 

The loan would be $1M+.

I am wondering whether they are requesting the Court to repay the first mortgage although the auction stated it was subject to the first mortgage. 

Another way to think of this is that the repayment of this loan has nothing to do with what I use the 200k for.