THe lender is a credit union and it is a conventional low rate loan.

The DSCR loan would allow you to qualify based on the rent you are collecting and get up to 75% of the value (175 x 0.75 = 131.25k, minus 20k payoff and closing costs.You could get a line of credit or a bridge loan against it to borrow money, but it would be higher interest.

If it does become a sales situation, let me know.

Almost every realtor has several investors ready to invest at least $2 million in cash.If you’re planning to use hard money loans, agents won’t show properties without prior proof of funds.I’m curious, is this a general market trend in Ohio or just this particular realtor’s approach?

As they see their money is safe and you're succeeding with your plans, they'll usually ask to increase the amount of money they loan to you.

As far as your next property, if you are already considering moving you will get better loan options + interest rates if you decide to live in the next property and rent out your current house. 

I use credit cards, write checks, and pay in cash.Each situation can dictate the payment type. 

@Nick AmDepreciation is a ZERO % interest loan.  

My electrician said that it just needed new breakers The property is liveable and rennovated apart from this.What is the cheapest % interest dscr/hardmoney/rennovation loan I could get?

If you would like to hold the property for longer, that is fine as well, just note that your loan payment will be done after 20 years.