DSCR loans are really not ideal for first time investors.

I can some up Western Wealth Capitals financial problems with Three words:  "Variable Rate Loans"!

There is no need to pay for gas and pay it off... it's mostly myths that people have come up with over time.If you have a zero score it's because you do not have any credit or the credit that you do have is less than 6 months old... more likely is less than 90 days old.Now, if your intent is to get approved for a mortgage and all you have is one prepaid credit card you are not putting yourself in the best position to secure a loan approval.I usually recommend 5 Tradlines or 5 separate accounts reporting to your credit.The best place to start, even before starting to get credit cards, is by going on the app store on your phone and searching "Build Credit" .

I don't believe you can buy a house in an LLC with a VA loan.

Check in with @Joseph Chiofalo for Pro Forma support and analysis he can help plug in loan terms with investor friendly financing. 

., and that one unit would be vacant by closing if using an owner occupant loan.

@Jeremy Staggers Houston has plenty :) American Title Company of Houston/Patriot Title/Capital Title ... all of them have 10+ branches  and they do all sorts of things for investors (e.g. expedite title search, loan doc prep, double close, blind HUD etc) ..PM me if when you have a contract and would be more then happy to introduce you to one of them.

I read online that a transfer from Parent to Child is exempt from real estate transfer tax. 

I'm guessing I can't be the only one...How do people find comfort in knowing the interest payments, over time, could even exceed the original value of the loan?

One piece here is that yes you can potentially find buyers that will have a premium for successful track record + even furnishings, listings, review - but important to remember that there won't be a premium assessed by the lender in almost all situations if the buyer is using financing to acquire - their loan will be based on the pure real estate value even if they are paying more - just a tip to keep clarified so no surprises that can throw off deals