Take a look at the overall picture, i.e. credit score, debts etc.. to make a decision.

Great credit scores and plenty of income from my W-2 source. 

Quote from @Na Wilson: I have a source (depending on credit score) that can do a 90% LTV DSCR loan on non-owner occupied real estate. 

that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

The credit unions tend to have lower fees and offer solid business products.

Some lenders do have minimum credit scores to access these loan types, but it is the exact same qualifications for income and assets as non renovation loans. 

This requires union tribune subscription, but many San Diegans have that subscription  https://www.sandiegouniontribune.com/2024/12/16/home-flippin...To summarize, average purchase price was $760k, average sale $915k.  

On the north side, my credit score requirement is 680 and I strictly require their monthly household income to be 3x the rent.

Your local credit union or bank should be able to help you with that 

Going to depend much more on more details / your personal situation - all things equal you will probably get better rate/terms on conventional if you qualify for bothThanks I have a good credit score just trying to get rid of that PMI