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.

I just write the property address on the receipt.I couldn't fit a different credit card for each property in my wallet.

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

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.

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.

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

If you have a lot of equity or if you bought the property when your credit score wasn't great (leading to a high interest rate), then it might make sense. 

Ok so 1st get off the internet, waste of time 2ND, no demand for sec 8, (like I said get off the internet) MASSIVE demand.

What you will be looking in is chapter 4, credit underwriting.  

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.