I'd estimate your cash flow after you pay the loan payment would be $600-$800, which a lender that understands investment real estate should give you some credit for on your DTI.As for a bank, I have a specific lender at NBI that I would recommend.

Have you calculated what your (monthly nut) is you need to survive business wise and personally?

Or a personal loan if interest rates aren't cost prohibitive?

You are still going to get the best rate possible with your significant down payment and with good credit I'm assuming.   

Renting it out while strategically leveraging the equity could be the best path forward.As @Jaycee Greene said, DSCR looks at your credit rather than DTI.

Home Equity Loan (HEL) or Home Equity Line of Credit (HELOC) – You could tap into the $150,000 in equity to secure a $30,000 loan.

Further context, I have zero debt, high 700s credit score, one other investment property here locally. 175k in cash available, looking to do DSCR loans or cash and then refinance.Peoria, Illinois- Great need for lower income housing, market appears to have many options.Lawton, Oklahoma- Looking only at extremely cheap properties, as it seems it’s not terribly hard to find renters.

At least 2 US credit scores required to qualify.

For in person connections try some local real estate meetup groups.

The teacher was an actual financial educator but they repeated themselves a lot and were telling the students to go in and apply for credit cards DURING the course to purchase the next course for $15,000!