I don't get the term "DSCR loan"   I mean all loans for 5+ units are based more on the property than the buyer.     

Quote from @Cosmo DePinto: When applying for a DSCR loan, can you base the rent off a section 8 tenant?

Construction loans have a fair amount of fees involved.

The money that you end up owing to repay the loan over the 5 year term is now post income tax money unlike how you traditionally are supplying your 401k with pre-tax money.  

.: Anyone with experience (and/or referrals to lenders) with non-recourse loans?

For comparison, a Navy Federal FCU personal loan will be in the 15s%

Not all loan officers are created equal.  

(No mortgage on any).the cash flow is a total of $3,100 a monthDo portfolio loans exist for these kind of situations?

Does anyone know if loans are 90/10 or 80/20?

Plus new folks do a very poor job of screening the buyer for Ability To Repay (ATR) which involves pulling full doc and calculating the borrowers DTI, honest income, honest debt payments, prior debt payment histor (FICO) etc etc.Plus shockingly (or shocking to sellers) if you bought this investment house, fixed it, then are selling with financing you are selling "inventory" and y9ou owe taxes on the gain in the year of sale, you are NOT able to use installment sale to spread out paying taxes.