A couple years ago, the CN railroad purchased a large parcel of land (40+ Ac) that included a small farm with a couple barns and an old farm house in one corner of it.  

@Christopher Phillips   maybe i'm reading this wrong, or it works differently in NY, but a 6% seller concession normally means the seller is giving the buyer 6% of the purchase price to use however they want in the transaction - be that for closing costs or principal reduction or down payment, whatevs.A seller typically doesn't have a say of what can and can't be included in the borrowed amount, that's up to the lender and the loan program. 

I would like to purchase soon and the properties that I find will be vetted by the group of investors that have 20 years of experience.  

Rookie investor here looking to purchase and house hack my first property in the Charlotte, NC market. 

We purchased a duplex in the city, renovated it, and rented the other unit as an MTR/STR hybrid.

Once we know that we'll need to know credit score, property type, purchase or refinance as starting points. 

If it did, I would start to question your purchase strategy.  

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Currently, I own a rental property in Orlando, FL, and I recently purchased a residence here in Fort Worth.

All this with only having to put down 3% of the purchase price of the asset!