A DSCR, or hard money product would be the right fit for you.

I've used PenFed, which was really a great product for an owner occupant.  

It's a special product.Regarding not having a standalone HELOC product, in 2022 during the heat of the low rate boom we did suspend our standalone product, and I can absolutely understand that wasn't ideal!

I provide huge value to them by delivering a product for their clients, and they provide huge value to me since I get more eyes into the property that I'm selling and am favored from an already built-in relationship and trust between the agent and buyer.

All I have found is:https://www.nic.org/nic-map/nic-map-products/I would love to hear if you have found resources!

There's a common belief that properties can "fail" inspections or appraisals or they certain loan products can't be used on distressed properties.

Great write up, choose your poison, but different products are suited to different situations!

DSCR Loans are going to be strictly business-purpose 1st lien loans - so something like this with a closed end second or HELOC is going to be a different product entirely.

As a non owner occupied property minimum down payments are:Conventional (single family) - 15%Conventional (multifamily 2-4 units) - 20%Non-QM (1-4 units) - 20%Certain Non-QM DSCR products allow the use of gifted funds for your down payment. 

I'm wondering what other types of creative financing or loan products might be available for my situation.