Before you get too far, I would go talk to every local bank and credit union in the area you want to do this. 

DTI is generally only used for "Retail" or "Consumer" mortgages where you live in the property.So a conventional/DSCR "commercial" loan doesn't necessarily mean higher interest than a "consumer" mortgage if it's coming from a traditional bank/credit union? 

if you're a few years out before starting in the US with RE Investing, the best thing you can do is work on your credit and safe money and start establishing business credit with banks and credit unions here in the USenjoy Panama, and good luck

Your best bet for that size will be local banks and credit unions, good luck.

Using a smaller bank or credit union is the way to go.Being that you have been in business for 10 years I am VERY surprised your business banker can't help you!

@Mary LopezNot sure if you're still looking for debt, but credit unions are a great place to look right now in this part of the market cycleGino

Then you may shop in that price range.Tip: check with your local credit union: they will consistently have better rates and often the underwriting of loans is done locally.Mike

Check with local credit unions.  

Knoxville has some good ones like First Tennessee, Pinnacle Financial Partners, Y-12 Federal Credit Union.

@Sham Haile you should look up the Tenants Union & RHAWA websites to review the notices and requirements for how notices need to be provided to tenants when a seller intends to sell a property.