We’ve also tried talking to the neighbors directly, but they don’t acknowledge the issue or make any effort to address it, on the contrary somtimes they are extra loud in spite. 

@Caleigh McDonough age old question.How long will it take you to save the extra funds vs how much the property may increase in price over that time?

You have incidental expenses of an extra 3-4k on the rehab maybe.

I've reached out to lenders here on Bigger Pockets- but their rates & terms seem high (DSCR or just not good terms)- I qualify for a conventional loan, but my DTI is almost maxed so why pay an extra 2-3% DSCR when I don't have too. 

A lot of them charge much higher and include extra "material" but if my experience tells m anything, you won't need that. 

Some things matter more than saving an extra $200/month because you chose to live in a market you didn't necessarily like.

If the note holder purchased the note at a discount he can accelerate his profits and increase his ROI by offering the borrower an incentive to pay off the note early, or to make e extra payments.  

Like if you want "property management" as part of your software its extra. 

Always budget for extra for rehab.

Vrbo has free price automation software.I use Excel for book keeping.I don't pay for any third party software, not really needed on 1 or 2 properties.I charge a little extra for cleaning fee than actual cleaning costs.