The good news is that you can still acquire this 4plex relatively cheaply with only 5% down using a conventional Fannie product.

Being able to see their pricing and occupancy along with the product they are selling is more "apples to apples" and gives me an idea of what I have to do to compete. 

I have gone down the path of painting a few times and it is quite labor intense and with that not cheap, it has to bone REALLY well - prep-work, primer, coat finish, the right products etc otherwise you get crap results.

It just so happens that this product I'm not giving away for free.

Plenty of cash flow for any errors.Even our product mix and locations we do risk management up front.  

I was wondering if anyone knows of loan products out there that are beginning to look at or accept this income for DSCR?

Apparently there are quite a few women who feel a need for the group you proposed, but in my opinion it is counter productive.

We work very closely with a national lender and strategic mortgage partner with a diverse second lien position and second mortgage investor product offering.

And as you say, your product is NOT real estate related.  

I currently represent Steadily and feel very comfortable using their products with our clients.