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.

Some of the specifics are credit score, DTI, signed lease agreement, and whether or not the lender accepts rent (house-hack) as income.

That's a real bait and switch scummy thing to do, but I guess I shouldn't be surprised these days. keep in mind this is not usually bait and switch it could be and they are not being scummy.they simply are at the whims of thier senior credit facilities wants and needs..

It's going to be an obvious patch job when they do inspections and they may ask for credits or replacement so you are more likely to get more by doing more.I don't know any roofers in Canton, but any time I see patch and roof and sell, I don't think it's necessarily wise.

You will also have a credit on statement for pro-rated taxes due to buyer.  

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). 

How much do they make, credit score, rental history?

You can do all the prequalifying from anywhere via credit check, call references, verify income etc.Make sure you have a handy person, ac person, plumber, etc etc that you can call when you need some work done. 

This was my first investment property and I used a loan from my 401k for the down payment and also used a local credit union for a 10% down payment on it when I bought it.

The cash flow is poor for this value of an asset and my equity position.