It sounds like the property has good cash flow, so you could be eligible for both assuming you're income/DTI looks good.

I live in Texas and have one primary residence and eligible to get another property in June (1 year mark).

The fundamentals stay the same, but the process details continually shift. 

If you are refinancing into a long term 30 year fixed DSCR loan, lenders will require a minimum credit of 620 to be eligible to obtain financing.

Not saying you haven’t been successful running your business, but you likely left a lot of money on the table by lacking financial fluency. take the time to learn more about general investment fundamentals and you’ll see the benefits in your primary business too.  

I would say it's less about comparing the deals using a financial tool and more about comparing them based on fundamentals.

With an established rental income on the existing property and more appealing cash flow the bank would find us more eligible for a loan at that time.

Fundamentally speaking it is a phenomenal investment with numbers to die for.

Thank you in advance.Hi Christian, You'd potentially be eligible for a foreign national loan however, we would just need to gather a bit more information from you, and about the deal you're working on.

Trust but verify" is one of the fundamental rules of successful RE investing.Caveat: if you have an incredible, proven, trustworthy team of boots on the ground who you've worked with for many years and through many deals, and they've never steered you wrong--in that scenario, I *might* take their word for it...but, most investors (esp. newbies) don't have that type of OOS team in-place.