I've never done a dscr loan but if rates drop after your (most likely) pre-payment penalty ends, I'd refi.

In these real estate deals you are dealing with 10s of thousands of dollars and when things go wrong on a thin budget is when you see dumpster fires and hear the cautionary tales.Most new investors concentrate solely on the down payment when in reality there's lots of costs: Closing costs, Holding Costs, Utilities Cost, you'll have to lay out money to the contractor for them to start the project, and there's taxes and insurance there's transfer tax title costs.More capital than you think is needed. 

Take calculated risks progressively, bide your time, and trust the process.Fast solutions have slow problems.

Does anyone have any suggestions or pointers for a Credit score, lenders/broker, location, down payment amount (15%?)? 

When trying to add it back the link does not link to the payment portal.

I have a large income, great credit score, a down payment, just not enough for 20% down OR not enough down to meet the conforming limit of $766,000.  

I do have a realtor I trust, although we have never closed a deal together, she has protected me from bad deals and we walked away.

The group collectively contributes the down payment, closing costs, reserves, and reno $$ if applicable.

The rates are competitive, but they require a larger down payment, usually around 50%, but your client could get in a great 3 fam in Bushwick, Bed Stuy, etc. 

Although I’d like to do a large dscr loan and get 4 to 5 three and four bedroom units, I’m likely goin to start with just one quality property in order to establish proof of concept to present to future down payment partners or private money lenders.