So for me the decision was pretty straightforward, but it still required a lot of thought.It’s not easy out there these days folks, best of luck!

@Helena Goyvaerts rate for a 30-year fix would be at least 8.5% with some points (1% of loan amount).Most DSR lenders have a minimum credit score requirement from the applicant.

The income requirement was $6000.

Real estate is NOT a passive investment and requires lots of analysis and education.

I wanted to get back in the game again but don’t have much in reserves that most if not all HML require.

A DSCR loan is going to require more down, have high fees at closing, a higher interest rate, a pre-payment penalty, and will require you to have cash reserves that you likely don't have at the moment.

I'll add a few more things that can have a huge financial impact: required reserves, LTC (loan to cost), application or other upfront fees, and prepayment penalties.As a fellow flipper, I think it's important to have reserves, but they shouldn't be required as part of your funding.

2 are not cashflowing with the required expenses for vacancy at 10%, repairs at 10% and capital expenditures at 5%.

Piling on...all occupants who are 18 or older (or legal emancipated minor) should absolutely be required to make application. 

There are some home loan options that require as little as 3.5% or even 0% down.