My credit score is good at 730, and my monthly income shouldn't be an issue either.

I suspect you return is much higher than you indicated.You have incredible prop 13 discount by now.

 the more competitive rates are  6.9% for 20% down owner occupied, 780 credit score. 7.45 and 1 point for a duplex seems pretty solid.

I have a high credit score, good income, and money in the bank, but I have been having a difficult time finding a DSCR lender I feel like I can trust.

The basics still stand the economy is in incredibly low savings, extremely high debt, and the most underlying and impactful signal has fully priced in a drop-- oil.

Kansas and Missouri are still incredibly landlord friendly.  

I use an application score sheet.

Credit.That's not to say that an investor HAS to be experienced and credit scores can be as low as 500... but the more experience and the better the credit the better terms as far as cash down and the overall cost of the loan.The absolute minimum cash down that you will find in the industry is 7.5%...

To follow these reports, it’s critical to understand how the metric is derived—in this case, there is a score given between 0 and 100, with 50 meaning stable, above 50 equating to expansion, and below 50 indicating a contraction.AuctionsLarge Treasury auctions, or large sales of new Treasury bonds by the United States federal government, have also had an effect on mortgage rates.

Incredible.