You said that you are applying for an FHA loan so it sounds as though you'd be living in one unit. 

DSCR loans are not that low and regular hard money loans will be in the double digits.

Traditional bank loans can be slow and have strict requirements, while hard money and private lending seem to offer more flexibility.For those who’ve secured funding before, what’s been your experience?

I locked a DSCR loan yesterday at 6.385%, 75% LTV.  

Credit pulls for the same type of loan within a short window (usually 14-45 days) are treated as one inquiry, so your score should be fine.

(DCSR loan?)

The LLC is irrelevant unless you are paying cash or getting a DSCR loan.

The terms for a 2nd position loan on a rental is 6%, 25 year term,  and 2 points origination fee.  

There is a reason banks don't make loans on stocks.

Prioritize deals that offer steady long-term returns over ones that seem too good to be true.DSCR Loans for Growth:Debt Service Coverage Ratio (DSCR) loans can be a game-changer for investors who want to scale.