all these millionaire using leverage and creating low debt for themselves.All CEO issuing stock options, issuing corporate bond , stock buyback is all about creating low cost debts.

I have a lead who i offered a subto/seller finance option to. back story lead is getting a divorce and can get ~340k if listed. asked 300k if sold to me, everything updated within past 5 yrs except carpet and interior paint.

I just closed on a house in Summerlin and the renters are basically standing in line for options.

The only options provided is move in specials or driving down rental price.

zonesage.com is a quality option.

Out of state you can have more variety of options on price and strategy. 

What other option would be suggested rather than DSCR? 

@Paul PompeoInvesting out of state can be a good option if your local market isn't a good fit.

I think you are correct in your thinking - a lot of lenders right now are pricing 30-year fixed rate and 5-year ARMs essentially the same, with only the slightest benefit to the ARM option - generally because there is a very low probability priced in that rates will be higher in 5 years. 

You have a few options for cash-out refinance and from the information you provided it should work.