@Erin Murphy- thanks ...before resorting to using a  DSCR  loan - I would try to get  approved for a conventional loan .....terms are likely better  ....if you already have  tried this -  most  DSCR loan lenders  will want to see previous ownership history

Most lenders will do a hard credit pull before presenting a formalized term sheet, but that is after a property is under contract and your offer is accepted/you submit a full application and send in a credit authorization. 20% down with no STR experience is pretty normal on the market, but you will likely be using a haircut AirDNA projection instead of the full 100% to qualify you. 

If your contract said you were using a specific lender and you switch then depending on how its worded your contingency might be nullified because you can't be denied by the lender stated on the contract.

Keep the property and 3.5% rate lock, and refinance out the capital using a HELOC or other item.

I am wondering the best loan process of purchasing off market properties not using a conventional bank.

@Matthew McNeil can you tell me issue you had with using a title company please?

One tool I have been looking at using as well is flipper force.

Though there’s nothing wrong with using a broker, we originate our loans locally and don’t accept investors, fractionalize, or invest in funds.

I've been using a hybrid model for almost a year now. 

I'm wondering what most investors in Florida are using for sales agreements.Are investors typically using a copyrighted Realtor contract?