It's also important to be aware of any deed restrictions or covenants that could impact your intended use of the property.A Personal Anecdote:I once assisted a client in Omaha who purchased a Freddie Mac home intending to convert it into a rental property.

Without proper planning, house hacking can become a financial strain.DM me for further questions or assistance if needed.

Feel free to connect if you'd like more information on how they can assist you.

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I'm also an investor/lender so I can assist with any questions you might have! 

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

With that said can anyone suggest reputable lenders that are able to assist me with a debt consolidation loan of ~25K?  

Would really appreciate the assist!

Is there a report that says lower priced homes are more likely to have a seller assistance?

Down payment on FHA is 3.5% so you’re not wrong there and safe to assume another 2-4% for closing costs BUT you can negotiate seller assist to cover bulk of the fees if not all.