This was my first investment property and I used a loan from my 401k for the down payment and also used a local credit union for a 10% down payment on it when I bought it.

Your best bet for that size will be local banks and credit unions, good luck.

DTI is generally only used for "Retail" or "Consumer" mortgages where you live in the property.So a conventional/DSCR "commercial" loan doesn't necessarily mean higher interest than a "consumer" mortgage if it's coming from a traditional bank/credit union? 

I am finding that most credit unions will only do helocs on primary residence.

@Mary LopezNot sure if you're still looking for debt, but credit unions are a great place to look right now in this part of the market cycleGino

Then you may shop in that price range.Tip: check with your local credit union: they will consistently have better rates and often the underwriting of loans is done locally.Mike

@Sham Haile you should look up the Tenants Union & RHAWA websites to review the notices and requirements for how notices need to be provided to tenants when a seller intends to sell a property. 

Check with local credit unions.  

Knoxville has some good ones like First Tennessee, Pinnacle Financial Partners, Y-12 Federal Credit Union.

@Haiden Welch I'd lean into local banks and credit unions.