However, DSCR Loans have more flexibility and levers to pull such as slapping on prepayment penalties if you are planning for long-term hold that can move rates down. 

I’ve been in a similar situation, and I think the idea of buying in lower-cost areas to renovate and rent out is a great play.

A HELOC gives you flexibility since you can draw as needed and only pay interest on the amount you use, which might be useful if you’re not sure exactly how much you’ll need upfront.That said, it’s important to compare the interest rates between a HELOC and your expected returns in the stock market—if you’re making more in your investments than you’d pay in interest, it could be a good play. 

Play the long game and focus on rent and home price appreciation.

Again several factors at play but just providing information based on your criteria.

Quote from @Randy Achi: This is where a mentor would come into play big for you!

I knew it was a long term play as well, and wasn't looking for something immediate with them.

Quote from @James Kerson: James, play along with me:1.

PLAY YOUR CARDS CLOSE TO YOUR CHEST.

Playing an appreciation game can be risky.