Sometimes the cheapest option isnt the best option, and most over-the-phone rate quotes (saying "I have 800 credit and 20% down, what's your best rate?")

Buckets are the credit/exp requirements for leverage and rate. 

Their online payment system doesn't recognize non traditional banks (credit unions) so your hit with $27 fee to pay with debit or have to take time out of your schedule and go to a Western Union for a $3.95 fee.

Thank you very muchJaša This is how traditional banks, private credit funds and anyone in the lending space works.The challenge you will have is finding someone to give you money at X%. 

For your first commercial deal, your best home is probably going to be with a local community bank or credit union. 

I am currently looking for a small local bank or credit union that issues lines of credit collateralized with investment property.

Speak to everyone.You might investigate a wholesale line of credit if you are doing enough volume.

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.

Stessa is a great option, but Baselane is my current personal favorite, partly because it doesn't require that you use a special bank account for rent collection like Stessa does. 

Reason #1:  If you're not careful even a bad lawyer can get it turned into a purchase, with all of the rent credited to the purchase.