You need to match your self and your scenario with a lender who offer unlimited products and programs with prime rates.

Make sure you find a good mortgage broker that has access to more than a few loan products. 

Hey Kailey,I have several banks I work with that offer a ton of DSCR products in both states.

What features would you prioritize for the MVP (Minimum Viable Product) in either scenario?

We also have no seasoning products that would allow you to pull some cash out if that made sense for you. 

They should be able to help with "cover numbers" for budgeting purposes based on typical products used or ask them if they work with other investors - learn what the market is doing.

Balloons coming due with higher interest rates, China market, China production, Manufacturing production moving back to the US, Worker shortages, Workert pay hikes, Ukraine/Russia food and fertilizer misses, Oil prices increasing due to the OPEC Q1 production curtailments in place, Houthi issues, Panama Canal Water issues, Illegal immigration impact (buy one of those office buildings and rent for $10mm per year for Illegal housing, take advantage) social benefits required, Climate change believe it or not- Buy or sell into that thought process,  US politics, Baby boomers leaving workforce and needing more benefits, Baby Boomers moving from Stocks to Bonds,  etc.I agree things will get worse, but that means more investing opportunities. 

Figure out what you are pre-approved for, what they need to see from you, and what products would make the most sense for you.

Also almost all true DSCR Loans are going to be full recourse, but there are a couple of lenders that have a DSCR-like product that is non-recourse.Another note on the recourse, this comes only after foreclosure on the property and if the property value in foreclosure doesn't cover the loan amount. 

I moved from abroad to USA 2 months ago (from Poland, originally I'm from Belarus) and now living in Miami, FL, having my greed card.I have no real estate background, my carrer abroad was focused on IT sales, such as software and hardware products & services.