You already have US based credit so that is good. 

Two of your questions will be more situational and location based.We don’t ever haggle on pricing, although I would suggest being flexibleWe check credit, criminal history and everything that goes along with that, evictions, and income.

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.

Quote from @Na Wilson: I have a source (depending on credit score) that can do a 90% LTV DSCR loan on non-owner occupied real estate. 

Zero-percent business credit lines can be a great tool to fund renovations, repairs, and even serve as gap or bridge funding when working on a BRRRR deal.

Just as a comparison for using greater Cincinnati credit union they have at top tier credit score 6-7% on 7-12 year fixed rate loans, 9.5 on variable loans and 5.25-6% on 10-30 year loans.

Good credit.

They have come to me about buying the home but I have a collection account about to fall off my credit in a few months so I am not sure I would qualify (in addition to my income may not be high enough).Are there any workarounds to maybe purchasing the home?

Lowest credit score of 713 and other 2 scores both 760+.

Also, the transunion credit and background check is almost $50 per person.