Also, I had to set it up with real estate specific categories and I'm not an account / bookkeeper so this go really messy. 

DSCR loans are loans issued by private lenders with proprietary and differentiated rules and guidelines and are typically included in “non-QM” securitizations.The advantage of conventional refinance loans is that they typically have the lowest interest rates and fees.

Nothing to do with the category of lending.

I can take advantage of it being a buyers market and use my FHA LOAN to ask for a full 6% seller concession on top of my 3% agent commissions essentially allowing me to walk into the property with $0 out of pocket.

@Sachin AminYou probably have a greater advantage keeping the properties under commercial zoning.

That's to their advantage, not yours.My guess is damage will be tough to recover. 

As for buying your first rental you can say it will be your new primary residence to take advantage of the 3.5% FHA or 5% conventional.

They proposed higher than market rent, but want to keep 2 people from thee organization volunteers in one room in future.We checked the website of the non-profit organization, their program include several categories, including helping international children to school, housing for the homeless, etc.

seller financing means seller has all the advantages and incentives.

So for example, a 761 credit score will be in the 760-779 credit category, then going down to 740-759 and so on.2.