If your property is residential single-family owner-occupied in a good area, the buyer has good credit, made a good down payment, and twelve or more on-time payments have been made, you'll be in the lower range.Note buyers, just like lenders, won't go above a certain loan-to-value (LTV) ratio.

All that said, we just met them in the middle and gave them the credit because we wanted it to be over.

There is a processing fee if you choose the credit card option, but a direct ACH has no additional charges.

At the moment with 3 rentals (6 total units), I have one account and a credit card associated with it.

Renting it out while strategically leveraging the equity could be the best path forward.As @Jaycee Greene said, DSCR looks at your credit rather than DTI.

We also got over 100K in credits for repairs.It was a killer deal.

the note is converted or exchanged for credits?  

The homes don't have MLS sale history until they are listed after the rehab has been completed.If you don’t mind shaing, how are you financing your deals and do you do the work yourself?

Don’t forget heloc, DSCR, 2nd on primary, borrow from retirement accounts, credit card cash advance, property reserves, home improvement store credit, etc etc.

As long as the rents can cover both the current PITI and proposed P&I payment, credit is at least 680. you should be able to qualify.