You can actually use more than just a DSCR loan here if you cannot validate the minimum credit tradeline overlay lenders have.

I’m not even a lender.

There a ton of great DSCR options you can find on the Lenders tab at the top of the page, or connect with an experienced broker who can shop all the best lenders for you and educate you on the best options out there.

They are all servicer charges and not lender fees. 

We are direct lenders, meaning we lend our own money, for flips within approximately 1½ hours of our home.We walk through every property to avoid surprises and to confirm the rehab estimate.

Never heard of them, is it a hard money lender?

If you haven't talked to a lender yet, that's really your first step. 

Also, in order to get financing the lender wouldn’t allow SCI to dramatically overpay or they wouldn’t meet the debt service requirements.

Go to Pace's group, Creative Financing With Pace Morby, on FB, and look for "gator lenders".

What would be considered the easiest program for small hard money lenders to use to track loans and history and sending out 1098 's?