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.

Plus, if you aren't able to get approved with what you've got now in terms of savings, credit, etc. you can learn on what you need to qualify so you know what to be working towards. 

There are thousands of websites out there that are disguised as helping the public find the best of the best but at the end of the day its simply taking your info and selling it to a 3rd party as a lead.If you are trying to buy a home or an investment property and you have good to excellent credit you should always use an FDIC Bank or Credit Union.

The better the rates, lenders generally want to see more experience, higher credit, occupancy and DSCR requirements. 

I am interested in working with MB capital in getting unsecured line of credit and possibly hard money lending.

I use this property and another one as my business line of credit. 

You may just stumble into seller financing if play your cards right.

You need to have reserves in either cash or credit regardless of the situation. 20k can go away in a blink.

Once I get to a point that it is making enough per month that I feel comfortable taking money out of the business that would be when I get to the point that it is worth have a specialist assist me in all deductions, credits, and future items that will help me to transfer from a W2 to working for myself fully.

But somebody could use a credit card fund the immediate need and then pay it back with the policy loan fairly quickly.