In addition to the offer terms, a savvy seller will want you to prove your have ample ability to pay both notes (your existing home and the seller's note(s)).

However, my challenge is a lot of student loans of ~100k (bachelors and masters degrees), which consequently affects my credit.

If I rent it, it won't cash flow more than 2%, which is sort of ok as my goals is creating a portfolio of additional income for retirement (12 years from now)  If I sell it I will likley lose a little money ($5-$10k) I Used a VA loan to purchase zero down and will be living in it for 24 months while I do the rehab.purchase price $330K, rehab $15k, Estimated ARV is $370k.  

Purchased with line of credit, currently under renovation to rent and refinance.

Loan officers or the particular lender  have nothing to do with the decision but some do like to take credit.  

Additionally, home had been neglected for a while but with a few good hands-on deck it was restored to its intended beauty.

I'll go ahead and warn you that house hacking is addicting and may lead to the purchase of additional properties haha. 

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.

The only thing they are asking for is $950 for appraisal upfront with my credit card.  

CONTEXT-(30k in credit card debt, split between 4 cards, mostly in charged off status)(one vehicle loan that was charged off, is now caught up to current, not paid off, 50k original loan amount)(some card companies are contacting me trying to make a deal, so likely only have to pay 20k of debt off.