You can look into switching to a local credit union or portfolio lender, as they tend to be more flexible with regional policies.

Of course credit card is going to be like 3.5% but it does kind of such because it's already hard to get tenants to pay it lol. 

The history of New Haven and Hartford lead me to believe that these major cities could make a comeback in the next 10-20 years.

However, you can claim a tax credit on your California return for taxes paid to Oregon, mitigating double taxation.If you only plan to own this one property, consider using umbrella insurance as an alternative to an LLC.

A business line of credit through your LLC protects personal assets, builds business credit, and may allow interest deductions, but it might be harder to secure for a new LLC.

You would want to look for an owner that has a loan through a bank or credit union or one that has no mortgage. 

I knew there were some HML lenders that did OO, but OP credit score “isn’t great” (which likely means it’s poor) and “technically don’t make much money” (which likely means he has little income).i think it is long shot any HML that does OO will take on this risk for what they can legally charge for OO loan.  

If it has a good review history, there probably isn't any issues with the place.

I don't think he would allow someone that had to put the fee on a credit card.

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.