Keep making careful decisions and utilizing resources such as BiggerPockets! 

Many lenders will even utilize proposed or STR income to qualify. 

But I have used the MyFico site to improve my credit by myself, largely by paying attention to the utilization thresholds. 

The list is huge, but includes things like monetary risk, legal differences, government corruption risk, management risk, supply chain issues, insurance practices, utilities, tax differences, banking differences, etc. 

As one from a different position, I would keep the $300k in a high yield account and continue to shop for distressed properties in the same HCL areas and the utilize the $300k as a downpayment, rehab cost, etc for one deal.

. - Strict local regulations can also sometimes increase compliance-related maintenance costsCost-saving strategies I've seen help:- Preventative maintenance programs can help reduce overall costs obviously - Some investors report success with in-house maintenance teams for larger portfolios- Energy-efficient upgrades can help reduce utility costs in the long runYour specific costs will depend on factors like the age and condition of your properties, your management style, and the specific neighborhoods you're invested in, but hope this helps!

My father served in the Navy for 4 years - Can I do a joint loan with him and utilize the VA loan options? 

I looked through all of Greenville and your property is on the low end for a 3bed/2bath.Sitting vacant for seven months has cost you $11,000 or more ($1500 rent + $150 utilities).

Also especially for DSCR they will want a family strong appraisal and comps, but some lenders can also utilize proposed DSCR income to qualify. 

Start by itemizing the expenses and send them an itemized invoice; include unpaid rent, utilities, etc.