These brokers are likely present in various circles, serving as your reliable sources of information

They offered to split the payments so I could pay half now and half in 40 days but still even $4K is a lot for me right now.  

(Max vacated rents - your monthly mortgage payment) = +/- net cashflow.

The sky is the limit for these products, but they all have pros and cons (higher rate, lower terms, balloon payments, etc.).

I get you can make anything cash flow if you start with a big enough down payment.

DSCR still needs to be 1.00 after both 1st & 2nd payment, 75%CLTV.

My tenants did not know that I owned the property because the payments went to the property management company. 

If you're seeking a reliable income stream, consider checking out Cleveland OH.

Acquire the land through a seller-financed deal for the deed to the land and use it for collateral to cover the 20% down payment needed for the construction loan.

Look at this:"In a significant policy change, Fannie Mae has announced that, starting from the weekend after November 18, 2023, it will accept 5% down payments for owner-occupied 2-, 3-, and 4-unit homes.