For example, As long as you qualify (debt ratio, credit score) you can take out a conventional loan with just 5% down.

Try Agcredit or similar for your area, local banks, credit unions, etc.

@Nick Sansivero my company manages as far north as Union County.

Depending on the lender for a DSCR rental property loan, rates will be about 0.125% to .25% lower if you put 25% versus 20% down on an investment property purchase if it's the same borrower credit score and profile being analyzed. 

I intend to personally occupy the single family property I want to purchase, which is why I am not able to DSCR that property.Credit is okay, 12 years of history with 710 score. 

PadStats uses a proprietary socioeconomic viability score for each block group, census tract, and county in the US.

DTI and Credit scores are excellent and the property has been owned for more than one year.I realize that there is a "Find a Lender" function on this website, but I really don't want to be spammed with marketing emails. 

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

credit score: 740+ ; LTV: 60% ; PPP=5-4-3-2-1 , Loan >=$300K for rental.

Non-QM are Generally about 3/4% to 1% higher than Conventional rates, but that really depends on the program, your credit score, LTVs, occupancy status, income documentation type used (if any)...and the list goes on.