You can get great cash-flow (In the right locations), use conventional loans (lower rates), have less to manage, and get in for a lower price.

I thought owner occupied loans are supposed be lower interest rates then non-owner occupied loans or DSCR loans also I asked the lender if she could adjust the purchase price to $750,000 to see if that would lower the interest rate and the interest rate actually went up to 8.625% and pay 0.353 points I'm thinking I should find a mortgage broker that can quote me with multiple lenders to shop the rate and loan costs instead of a direct lender Thank you for the help!

Lets say: 200k to buy and $50k for rehab - thats $250k loan.

Would a 203k loan work in this situation or do I have to apply for a personal loan? 

It doesn't sound like a bridge loan. 

Also, does it require cash to close or can be done through loan too?

I have a prospective tenant that filled out an application.However I need some advice on qualifying this individual.The current rent is 3600The applicant is a family The Spouse doesnt work The main applicant gross W2 income is around $10000 monthThe monthly net income is $5700No car loan's No credit cards balancesThey pay $800 month on a personal loan.Since a rent check is written after net income is received.

My current home loan is a heloc and its pretty much maxed out from using it for a down payment on the first property and its also climbed to 9% so I  need to get it redone to a traditional mortgage and get the rate down on it.

Be sure you have the tools necessary to manage the loan properly.

I worked with one lender who did NOT require title insurance on smaller loans under $75k.