But there are options for interest only first five years. 

My team is also well connected to this sector of the industry allowing us to be experts in Land listings as well as have access to numerous Off-Market Listings.

Many investors switch over to these loans once they have a few properties (typically 5 on average, but you are right there in the typical fashion for property number 4)Check out these series of articles on the loan topic published on BP as well for all you need to know about this option!

I would first check to see if HELOC is even an option - in TX its hard to find and can only be done for a primary residence.

That being said, there is probably more to this story and therefore other options. 

There are a few other options as well that can be taken to escape the FHA to Conv. 12 month rule.

I used to do contractor work and we would always inform the customer of their options.

Exhaust all of your conventional or government financing options before you get into DSCR. 

Quote from @Stevan Stojakovic: Given that your property isn’t a primary residence, a cash-out refinance is likely your best option to access equity.

However, if you analyze what we have vs. what other states have there are numerous reasons why we are a great state to invest in.I hope all of that makes sense but feel free to ask anything additional.