Our credit isn't to good right now (below 600) due to some now resolved health issues and missed payments on debts.

They claim the apartment doesn’t get to 68 degress but refuse to remove their window AC units all winter because "its good for their health" yet they demand that i insulate the attic. 

Hey Drew, sounds like you are in a common dilemma.

I've been looking towards a DSCR loan as a potential answer to my dilemma, why could't I do a DSCR to refinance the new property?

My dilemma is with the refinance.

So that is my little dilemma that I am trying to figure out to see which option would be more ideal and a smarter move for someone starting out like me.

You might be able to make a report about health safety issues to the dwelling and an inspector would tag it if they agree. 

There may or may not be benefits (like health insurance) involved, depending on what whoever I hire opts for.

By definition the place is unfit for use.condemnv. 1) for a public agency to determine that a building is unsafe or unfit for habitation and must be torn down or rebuilt to meet building and health code requirements. 2) for a governmental agency to take private property for public use under the right of eminent domain, but constitutionally the property owner must receive just compensation.

Do you see my dilemma?