@Brandon Graham Because of the relatively low purchase price I would pursue Private Money. 

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.

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

My issue is, I have very low interest rates and do not want to refinance and lost those rates.

Hello AllAnyone know of a bank, credit union and or lending institution that will provide a HELOC on an investment property in VA? 

Whenever you apply for a loan, the credit reporting agencies will give your information out to solicitors.

Cheap quick and easy: trim trees, mulch around base of trees (mulch is $2/bag at lowes right now), remove window bars, pressure wash, add some landscaping to front flowerbeds (I typically do rocks w/ flowering plants, lots of people do mulch there too) and remove the bushes, and possibly add some landscape blocks around the front flowerbed areasIs this a flip or a rental?

If you have a low DTI, sometimes lenders will just add points to your quote to make the rate look more attractive and hope that you don't notice the buy down. 

Our credit score stands in the low 700s.

Value in Real EstateWe've all been there: that shiny, low-priced property screaming "deal!"