They have great credit, are putting ~37%+ down, and their income more than covers their current living expenses and the new mortgage.

Cash will be lowest, owner financing tends to be the highest (price) offer.

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.

You will certainly run into challenges that you did not anticipate and it is great to have a responsive and helpful lender partner.Naturally you will want to find a product with competitive pricing and leverage, though keep in mind first time investors do not always qualify for the lowest pricing.

I require all new tenants to use it, but I have a few that use other methods due to them being tenants when I acquired the properties.Background and credit checks are easy to send to an applicant - they pay 55.00 and I get the reports quickly. 

Hi Melvin,Origination charges = 0 [Covered completely with lender credits]Services you cannot shop for = 2725 [This is the VA funding Fee]Services you can shop for AKA title work = 1723Total Loan Costs A+B+C = 4448Taxes and government fees = 3279 & G Prepaids and initial Escrow at closing = 10007Total cost including escrow = 14455

When you say credit reasons, is your credit lower than 640?

@John Boutros The only think that comes to mind is private lenders or trying to find small, local banks and credit unions who are willing to lend.

Be aggressive on offers with a seller credit that buys down the interest rate to a payment that makes sense. 

Now that I own rentals my debt cycles with winter fuel and sometimes remodels being put on a credit card.