Since the property is free and clear, you might consider reaching out to local banks or credit unions, as they often have more flexibility for smaller loans.

Also---you need to make sure whoever did the rehab did it correctly (no point in paying a premium price is the work isn't done correctly)...lastly if you pay for a turnkey property...how do you know the tenant is paying a market rent and is a good tenant (credit score wise, payment history wise) etc?

Right now we're using a local credit union and every time I need to do a wire transfer I have to go into the branch location.

If their credit history is sufficiently long to generate a reasonable score for them then the credit score tells you the answer! 

I think you could make a case that they are at times but at the end of the day the distressed home sellers have not been good stewards of their properties and therefore sell at a discountI lived in Mexico doing missionary work for a while so I learned Spanish and the culture.They hate debt and so never develop credit scores.

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.

They will run your credit anyway later, but the bank can give you some estimates with the credit score.

No eviction protection so since you gave to settle on someone with and low 600s credit score if you have to go to court they get to charge for their time on that. 

Start working on your credit score and research financing options, including FHA or conventional loans.

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.