Quote from @Alex Patton: I know there are hundreds (thousands probably) of lenders out there that offer a DSCR product.

There are many options, but I like TransUnion SmartMove the best.

In your case of a fourplex, option 2 should get you a better deal.I would also agree with Bill on how the number of units may not correlate with the value of the property unless it is a large multifamily complex, and sometimes a fourplex or several single family houses would give you better returns. 100% We always recommend conventional first until you can no longer qualify for those. 

While they offer great general advice, they can't speak to our market, or the potential of a property located in Scottsdale can provide if held. 

Hi hive,I am new to investing and trying to learn from the different options out there.

Best option: don't invest in areas with high crime.Security cameras, motion-detecting lights, and plenty of signs that it's protected by a security system.

Portfolio loans from local lenders may also offer flexibility.

Suggesting to them buying their house for a wholesale range offer or lower dependent on the extent of the rehab, then having a contract in place that gives them a percentage of the profit to help get them back on their feet, paying off debts etc.

If there's anyone who can offer me some advice on the best way to get started with no capital but good credit, that would be great.

Propwire doesnt make it clear they even offer this document but if they do there data is also at least 12 days behind the county records and provides only a fraction of what is available from the county.