Find out what you qualify for from a loan officer or credit union. 

Any potential buyer with an IQ above 50 will insist that these are replaced or they are given a credit. 

For instance, DSCR loan interest rates are determined by LTV and credit score, functioning much like coordinates on a graph (think X any Y axis).

You can usually also benefit more by simply using the seller or builder credit to do a simple "Rate buydown".The first rate on the buydown is a "teaser" rate that only last for a short time 1 year for example but a true rate buy down is for the entire term. 

I have occasionally provided a rent credit for a good tenant to help them with the purchase of a lawn mower or weed wacker.

@Henry BaghYou can start with local lenders and local banks and even credit unions some have DSCR options.

The interest rates on these loans from the programs are usually at a much higher rate as they do not qualify people based upon a credit score.  

As long as you mom can qualify on her own (with her credit score), I don't think adding you to the loan application would hurt even though your score is not good (but I would still double check that).

I am a US citizen with a 680 credit score (actually, credit karma shows 680 for one bureau and 710 for another bureau), but I haven't worked in the USA for years, and overall, we are looking to get a DSCR loan.

.), plays a big role.Generally, there are three main refinance options for BRRRR method investors: Conventional loansBank/credit union loansDSCR loansConventional loans are generally defined as loans originated under GSE (Fannie Mae/Freddie Mac) rules and guidelines and securitized.