They do free sign up with 100 free credits so you can try them out.

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

Is underwriting credit taught or underwriting financial risks?

same with HVAC and other big ticket items.with that said, i don't invest in Indianapolis, but you're likely still in a sellers market, which means that sellers are going to be less inclined to make fixes / give credits for issues. 

Check with local credit unions.  

I strongly suggest you talk it over with experts who specialize in Memphis.

If you have good credit they don't ask for a deposit so it very easy.

Someone with a 700 credit score and good job.

May God bless everyone specially those who help others. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.