With a lower median income but active market conditions, focusing on value-driven renovations that enhance living quality without the high-end price tag could be most effective here.Veterans make up notable portions of the population in certain areas, such as in zip code 13206 where approximately 8.04% of the population are veterans.

DSCR Loans are going to be strictly business-purpose 1st lien loans - so something like this with a closed end second or HELOC is going to be a different product entirely.

As a non owner occupied property minimum down payments are:Conventional (single family) - 15%Conventional (multifamily 2-4 units) - 20%Non-QM (1-4 units) - 20%Certain Non-QM DSCR products allow the use of gifted funds for your down payment. 

I'm wondering what other types of creative financing or loan products might be available for my situation.

I ended up paying over $2000 as a start up business with no income and not even receiving a final product which could be utilized.

Again, that is just for conventional products and everyone's loan to value is the same.

we have a no seasoning product, but it does not involve moving shell gam you are proposing.

I would dig a little deeper, look at the demographics, look at the available product, and look at your objectives - then pick your poison.  

Not sure if you're going FHA or not but I know of a loan product called Home Simple with All Western Mortgage that allows you to make a cash offer to the seller and then refi out with a conventional loan, but my understanding is it requires 5% EMD. 

This is a harder to find product, so we need some help to find good places.