. $75K is the lowest allowable property/appraised value I've seen for DSCR.

If it helps, 800 credit score and theoretically could build for cash...but cash is earning more and doesnt want to tie up the liquidity.

The difference with good credit is usually FHA is .55% x loan amount/12 -  versus FANNIE PMI .25% x loan amount/12 . 

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

House hacking and FHA loans can help qualify for lower down payment loans, while local banks and credit unions offer favorable financing options.

That is why you tend to see builders offering such a big "Builders Credit" it’s because it's "Ghost Money" it really doesn’t matter or exist to an extent.A builder can go into an area build 20-30 homes for example, buy the first 2-3 homes paying top dollar so they can set the market sales.

I’ve seen folks inquire a lot about “cost” be exorbitant but it’s not for the world to set the payroll of the persons assistance they are requesting of.On another note, with that good of an LTV and DSCR - if credit is in good shape you should be in the low 7’s todays market.

Hello,My wife and I have been seeking a business line of credit to help us out with paying some debt we've accumulated through our real estate investing and to help with establishing some capital. 

Hey Ryan, Depending on LTV, Loan Amount, Credit and Experience, you can an expect rates from 5.85%-8.9% Subject to points, fees, etc.. $4k in fees is not bad for this loan assuming this is a $100k loan amount.

However Property tax's some of the lowest in the coutnry and property maintenance same thing if you buy a stucco home with a tile roof.No real major weather threats like many markets  IE hail storms wind storms etc.. can get windy but thats common..