Also helping was a relationship with that bank (deposit accounts) and good credit. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Utilized a low down payment loan, maxed seller credit, tax proration and closed on the 1st of the month to maximize my cash and acquire this property What was the outcome?

At it's basic level:Assumption: Asking the bank to turn the loan over to you and going through the normal underwriting process, credit, income, DTI ratio etc SubTo: Taking over the loan without telling the bank, no underwriting, no credit check, no income verificationBoth have risks, but it's not my intent to be detailed in this post.

Let them pay the deposit with a credit card.

You are likely in a better financial position on account of that. 

As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.

Read these posts:https://www.biggerpockets.com/forums/51/topics/1122635-the-s...https://www.biggerpockets.com/forums/51/topics/1075919-five-...And this is my advice on finding a real estate accountant here on BP:https://www.biggerpockets.com/forums/51/topics/1222774-expla...

(End)Unfortunately, HOAs are often ran by individuals who are not the most knowledgeable on regulations, accounting practices, and more - and property managers do not want to intervene for fear of losing the contract. 

Although I've considered a future line of credit against the property as my best long term option, I would need to pay down the remaining balance first.