DSCR loans go up to 80% of the purchase price and depending on the Debt Service Coverage Ratio and your credit score you can expect rates on a 30 yr loan ranging from High 6%- Mid 8%. 

. :)  these are not credit score loans ( I mean I have a credit score) but thats just a formality its all about capital and relationships with your bankers and deposit relationships thats key as well.Yes your relationships with sub contractors will be a huge factor in profitability, both direct and indirect. 

Any local bank that does this kind of financing should be able to approve you as long as you have a good enough credit score and never declared BK.

The builder offerred $15,000 credit to be applied, however you wished EXCEPT can not be used for price reduction. 

I'm a huge fan of habit tracking and I have found it's those boring, repetitive tasks done consistently is what are the game changers. 

You're on the right track!

Hope is a bad strategy.The only on market strategy that I think can work is paying cash/line of credit/hard money for a property that does not qualify for conventional financing.

I am currently a student with some cash availbe and good credit score but no w2.

The credit score is the single best indicator of how one pays their financial obligations.

Hi Aaron - check out our lender page here on BiggerPockets - you can see info and a long track record of strong reviews: https://www.biggerpockets.com/business/page/49Also, sharing links to the 10-Part Article Series we published here on BP on everything you need to know about DSCR Loans - we are fully committed to transparency and providing info/guidance to the BP investor community!