As always, the most detailed and complete answer from "The Black Belt in Real Estate Taxation".That's exactly how I imagined it worked. 

You're attempting to find a solution but haven't articulated the details of the problem.

We like to give very detailed quotes up front explaining known fees such as origination fees, any underwriting or processings fees, and estimates on variable fees such as escrow fees or title fees.

We invested $27,200 in renovations, modernizing the home and enhancing its appeal.

I would love to go into more details about my situation!

Here's a detailed guide on how to screen applicants: Application Screening Guide

Hi Carlo,As mentioned DSCR loans vary widely based off of numerous factors, credit, LTV, Prepay type, DSCR Ratio, just to name a few.However, I am seeing rates as low as 6.625% now on DSCR products in a perfect scenario.In scenarios with low credit scores, high LTV's and short prepays we can easily be in the 9's.When looking for a DSCR loan to fit your needs, I recommend getting in touch with someone who knows what they are doing to pencil the loan in your best interest.Glad to connect and get into more detail!

However, one of them is much more responsible and a much better financial risk (I'll omit details).

Downside here is you have to pay your 401k back and are limited to the lesser of 50k or half the market value of your 401k.In either of these scenarios, I think you need to evaluate the details as a whole with numbers. 

Here's a link to a post that covers this in greater detail.