Maybe personal loan from a bank or credit union, friends and family.

For payment, pay them separately NOT via rent credit.

most attorneys especially smaller ones will not accept credit cards.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

For example, the last sale I did, they required that I remove the brand new stainless fridge because it didn't have an ice-maker (they didn't ask for a credit or a replacement...just that I get it out of there before closing).Most of them are looking for 7-10 days of due diligence, so that could make double closing difficult, but I imagine they'd do it (I've never tried).

Good credit.

Make sure you get your financial house in order first -- decrease debt, increase income, & maintain a good credit score.

Bad appraisals etc.

Why is this bad?

It could be a good sign or a bad one.