From my understanding it might have to be a personal loan, which is very expensive. 

Lenders are seeing near a .50 basis point improvement in multi-family and mixed use loans this week. 

DSCR loans are really not ideal for first time investors.

I can some up Western Wealth Capitals financial problems with Three words:  "Variable Rate Loans"!

There is no need to pay for gas and pay it off... it's mostly myths that people have come up with over time.If you have a zero score it's because you do not have any credit or the credit that you do have is less than 6 months old... more likely is less than 90 days old.Now, if your intent is to get approved for a mortgage and all you have is one prepaid credit card you are not putting yourself in the best position to secure a loan approval.I usually recommend 5 Tradlines or 5 separate accounts reporting to your credit.The best place to start, even before starting to get credit cards, is by going on the app store on your phone and searching "Build Credit" .

Direct to seller in a distressed situation is best.

You'll get better loan terms and lower interest if you owner occupy. 

Check in with @Joseph Chiofalo for Pro Forma support and analysis he can help plug in loan terms with investor friendly financing. 

Hi,I did a private lending, term was 1 year. there was a clause that borrowed can extend loan (if lender is ready) for 2 times, each time for 3 months. but borrower has to pay 1 point for each extension(3months). so extension can be done total 6 months.Now, after 1 year, borrower keep paying interest .3 years went like that.Now Borrower wants to pay off. in such case what should be Loan extension point added.Thanks

., and that one unit would be vacant by closing if using an owner occupant loan.