PM me and I can get you in touchwith some Wholesalers or Investor-friendly agents around Houston :) 

The credit thing should not be an issue for many DSCR folks like myself. 80% ltv may be an option, but,I have seldom found the tradeoff in cost/rate to be worth it in the last 12 months. 0% origination is possible, but, as others have said compensation is received in one fashion or another (higher rate, processing fee, etc.).

They don't allow auto payments or automatically add late fees, and tenants would have the option to pull their payment back, which is not ideal.

The first thing I ask is why am I Buying the property.I always look at the exit strategy first, is it going to be a rental, a lease option sell, am I planning on living in it.

The agent turned down a seller financing option - although it was not ran by the seller - because the agent said the seller is so done with the property that she wants nothing to do with it at all.

Our strategy is looking for multi-family homes to purchase and hold as option 1. 

I can tell you that being around new construction the past 12 years, I would say 1/4 of the projects we have been apart from residential to commercial will experience delays to MFGs out of stock, HOAs changing their specs, Cities changing their specs, Weather 2-3Xs budgeted rain delays, Subcontractor injuries and death.....Then Hurricane Harvey in Houston are.....WOAH  major delays...I have seen it.We are happy to be providing funding to DCGI's BTR community members, many have gotten their applications in already and look forward to helping the rest of yall accomplish your real estate goals. 

If that doesn’t work, then on to another option.

While time consuming, I did learn a lot and was within $2,000 of my initial budget.

I do single family "off market" that I take over with owner financing, subject to, wraps and lease options.