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.

What are typical down payment requirements?

But, the point is you want to understand the rates/terms of the loan you are using to make sure that you are not paying a lot of additional costs or pre-payment required to get the cash out a few months early. it may very well be worth it but you want to compare apples to apples. 

Your payment goes up $2,200 and your rent goes up $2,600.

There are a very select few who will allow use of the entire lease or a percentage of the difference if the leases have been in effect and you can show payments received for at least 3 months...  

The online payment feature was broken for a few weeks but is now functioning again.

There might be some other creative loan products that are available to you so having a good lender can help reduce the monthly payments until the rents increase or you can refinance at a lower rate. 

My credit is around 500 and I am behind on my house payment.

I’ve heard of folks borrowing from their personal network for a down payment, but is this actually used in practice?

Collect payments?