Check with credit union.

For the 2nd applicant, her credit score shows 770.

Someone with a 700 credit score and good job.

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.

Also what is your credit score? 

In the times I have seen it, it has been due to the borrower saying they have like a 720 credit score and it comes back a lot lower, or the financials of the deal are not what was represented. 

I’ve been working with my local credit union for the past few years, so I’ll head there. 

Aim for a 620+ credit score, save for a down payment, and research markets with strong rental demand.

You might check with smaller outfits too like Co/Lab lending, Preferred Mortgage, Aceland Mortgage, and co-ops/credit unions.

@Jaycee Greene I’ve contacted big banks small local banks and I haven’t quite tried credit unions although I have 2 credit unions for which I have accounts (but my experience is that they aren’t offering that much better terms).