Some of the other lenders mentioned in this thread are more so private lenders / hard money lenders and while they may underwrite based on DSCR, I don't think it is the DSCR loan you are looking for.

You don't want them to just be financially qualified but you failed to investigate how they treated their past two apartments. 

We use private lending to finance the purchase and construction of this home.

My goal is to leverage equity through private money lending (PML) partnerships while building valuable relationships within the local investment community.How I Can Add Value:With 6+ years of experience running various businesses, I can offer high-level and detailed technical insights to help visualize and automate your operations effectively.For example, I’ve developed a dashboard that tracks company expansions across the greater Phoenix area in real time.

First, let's be very clear here.The mortgage your speaking of is a private agreement between the seller and the lender.

He has since refinanced and cashed me and my private lender out.

I am a twenty year plus licenses GC who has built over 100,000,000. in commercial and residential construction in the NY, NJ, PA, CT and CA marketplaces. I have flipped new homes and townhomes but phased out raising a...

Find a private lender who would give you that debt for a lower amount.

I was able to get a private loan which I used to purchase the house then I used my own money to rehab the house.

For lenders, I have access to private money lenders or if you want to go the traditional route, I recommend checking out Coast to Coast - Jeff Weller.