From a lender standpoint I think the main areas of concern with auction properties boils down to access.

This includes contacting the applicant’s employer and speaking with their supervisor to confirm job stability, income, and reliability​. if the person has not been employed at their place of employment they would require a guarantorCredit Score and Debts: Applicants need a minimum credit score of 620, and while we review debts, medical debts are generally not disqualifying unless they impact overall financial health.Criminal History: We do review criminal history to ensure safety and security for our tenants, while remaining mindful of state and federal guidelines.Rental History: Positive references from past landlords, with no evictions or significant lease violations in the past five years, are essential. and we can see into the court system if they have an eviction judgement.Release of Information: We include a release form allowing us to verify employment and rental history directly, which helps us get a clearer picture of an applicant’s background.This process has worked well so far, but I’m always open to improving.

i work with agents, PMs, deal finders, lender, etc. all the time.  

Going through this process to close a similar deal I know this does not fall within most banks box but do you think might be a loan your bank would consider reviewing?

This spreadsheet was reviewed by our RE agent and his input was used on costs in that market.  

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Hey, I’m looking to connect and network with private individuals who lend money on real estate deals. Do you know of any good websites where I can post my deals?

I know It differs lender by lender but I’m curious what CC’s are like with DSCR.

And how do I roll this into a cheaper mortgage (my dti would be too bad for another conventional).Maybe a lender would be able to consider the electric "working" with the proper inspection?

But still, I think it's a bit too high.Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?