I have occasionally provided a rent credit for a good tenant to help them with the purchase of a lawn mower or weed wacker.

You can usually also benefit more by simply using the seller or builder credit to do a simple "Rate buydown".The first rate on the buydown is a "teaser" rate that only last for a short time 1 year for example but a true rate buy down is for the entire term. 

@Henry BaghYou can start with local lenders and local banks and even credit unions some have DSCR options.

I'm using Quickbooks to track overall finances.

Nothing on vacancy rates though.When I was trying to determine demand for Cincinnati, I selected about 20 listings near the location I was focused on, and tracked them for several months.

The interest rates on these loans from the programs are usually at a much higher rate as they do not qualify people based upon a credit score.  

These lists include details like the type of permit, property address, project scope, and sometimes the owner or contractor's contact information.How Real Estate Investors Can Use Building Permit Lists:Identify Potential Sellers:Investors can track permits for major renovations or additions.

Hello Joshua, I would look at Amegy bank, they have a 1x close product, and also, look at 1st united bank, very easy to work with, beyond those 2, I would go to a local credit union.

I am a US citizen with a 680 credit score (actually, credit karma shows 680 for one bureau and 710 for another bureau), but I haven't worked in the USA for years, and overall, we are looking to get a DSCR loan.

As long as you mom can qualify on her own (with her credit score), I don't think adding you to the loan application would hurt even though your score is not good (but I would still double check that).