So if you have good credit and cash, it makes starting any type of business a lot easier. 

@Sonja Revells Real estate investing can be seen as higher-risk by lenders and Dun & Bradstreet (D&B), potentially impacting your credit terms.

Since they do not require closing credits and you do not draw on the funds nor pay for the debt until you take the draw of the HELOC it is best to get started on it now so you have funds ready.

In addition to brokers, I would also suggest speaking to 1-2 regional banks/credit unions.

Also---you need to make sure whoever did the rehab did it correctly (no point in paying a premium price is the work isn't done correctly)...lastly if you pay for a turnkey property...how do you know the tenant is paying a market rent and is a good tenant (credit score wise, payment history wise) etc?

@Erich HatchFirst, I look at permit history.

@James HumphreyI would suggest speaking to local banks, and credit unions.

After nearly 3 years of operating history, I'm concerned that the properties are not performing well enough to warrant continuation of the venture, and I'm considering selling.

For DSCR, it's usually slightly higher than the conventional route due to it only looks how well the subject property rental performs + credit vs conventional where it requires credit, income, assets to be reviewed.

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.