Always exhaust your conventional options BEFORE you get a DSCR loan. 

.), and were going to require some exhaustive changes to the property that I did not think were necessary.

I haven't exhausted them all but those that I have used have not been met with any contention.

Typically, that program is for VA- eligible members who exhaust their VA entitlement.https://www.navyfederal.org/lo...Do you have any remaining VA loan benefit?

She's an early to bed type, falling asleep on the couch around 8:30-9pm (kids are exhausting right?!?)

So another method might be, if you exhaust the options above you can speak to the tenants and see if they will sign a new lease paying market rent, for you to renovate their units.

Account Closed did you transition to a portfolio lender before exhausting your other options?

I currently have about 30K cash as a down payment but did not want to exhaust all of my cash, I also have money in my 401K that I could roll over to an SDIRA as well, please let me know your thoughts.  

The seller had to contribute the amount to escrow for future use and if I were to refinance before exhausting all funds in escrow then the unused funds would be refunded to me.

Some lenders can do 3 months using a DSCR loan, but in my opinion (and I'm a DSCR broker) you should exhaust all of your conventional financing before you start to dabble in DSCR.