I would choose the lowest interest rate since you plan to pay it off within 5-10 years, so Scenario 4.

What are the pros/cons of a portion of the monthly rental amount being applied to the final purchase price, vs. no credit of monthly rent towards eventual price?

In the meantime, get a Home Equity Line of Credit (HELOC) with @Michael Barbari , who can do up to a 90% loan-to-value. 

Nowadays you need to consider credit card functionality, too.

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@Maria Rina BoidonTo invest in multifamily properties, leverage your equity through cash-out refinancing, Home Equity Line of Credit (HELOC), or selling the property.

.- Negotiated Solutions: Worked with the seller's agent to determine whether the seller would address the violations or if you would need to assume responsibility, potentially negotiating a price reduction or credit at closing to cover repair costsWhy You Found Out LateThe fact that you discovered the POS violations only five days before closing suggests a lapse in communication or oversight.

Credit Score must be 620+.  

Look at State Employee's Credit Union (North Carolina) and check out their mortgage products.

And of course, it makes sense to find the lowest interest you can.