They also have an online application that is very poorly put together.

if you have deal machine put the address there, most of the time lists their relatives with phone numbers already, so you don't have to skip trace it. comes with the application. 

tell them you're not ready to have your credit pulled and don't want to start an application, and then just ask what you might qualify for, what is involved in filling out an application, etc.call some national banks and some local lenders. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

@Craig Ancier I hope you find my back story applicable for action forward because I was a lot like you it sounds, and I got my start right here in our same back-yard of Twin Cities. 

If you give me a loan at 0% interest, then everything up to the Applicable Federal Rate (AFR) is considered a taxable gift.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

This discrepancy makes me question the assumptions used in their calculations, such as the expected annual property value appreciation and the applicable tax rate.

Hi, Applicant has good income and job, but ha filed a Bankruptcy in 2015.

I would add that HOA is also factored in (if applicable) and the property needs to be rent-ready, not in need of rehab.