Is DSCR refinances the best option if I can not find a local credit union/bank to work with me on these cash out refi's? 

@William ThanI suggest speaking to local banks and credit unions.

By signing below, applicant(s) give permission to (1) current and former employers to release any information about applicants’ employment history and income history to the above named person;(2) current and former landlords to release any information about applicants’ rental history to the above named person; (3) current and former mortgage lenders on property that applicants’ own or have owned to release any information about mortgage payment history to the above named person; (4) bank, savings and loan, or credit union to provide a verification of funds that applicants’ have on deposit to the above named person, and (5) to the above named person to obtain a copy of applicants’ consumer report (credit report) from any consumer reporting agency and to obtain criminal background information about applicants.

I had a sub to seller do that to me.. we closed and she walked right into the credit union and told them she sold the house and was not going to make anymore payments..

Instead of going through banks or credit unions, this method involves borrowing money from private individuals or organizations.A major benefit of private money lending is the flexibility it provides in terms of loan conditions, interest rates, and repayment schedules.

Try a local bank or credit union.

Normally the credit unions are the place to go for the best heloc rates. 

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A lot of people think 20% is the standard only with certain lenders and Credit Unions. 

If you do opt for a HELOC, I'd consider starting with LA Federal Credit Union and getting a few quotes from other local lenders.