@Sonja Revells Real estate investing can be seen as higher-risk by lenders and Dun & Bradstreet (D&B), potentially impacting your credit terms.

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.

For DSCR, it's usually slightly higher than the conventional route due to it only looks how well the subject property rental performs + credit vs conventional where it requires credit, income, assets to be reviewed.

@James HumphreyI would suggest speaking to local banks, and credit unions.

The only people that are potentially bothered are the busy business executive type or, generally, people who are time poor but I don't think that's gonna be your clientele anyway.2.

If you have a lot of equity or if you bought the property when your credit score wasn't great (leading to a high interest rate), then it might make sense. 

(We discussed the "problem tenant" situation above, and I believe it was an anomaly and not necessarily due to poor tenant screening.)

What you will be looking in is chapter 4, credit underwriting.  

There are some lenders that require a deposit up front and is credited at closing for fees.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.