I have credit already established and want to make it less complicated.

I do my search and feel that Manchester, Liverpool , and Birmingham as most likely areas I can invest in , My goal is to have good houses "Single famliy" with good prices that can establish a good cash flow as passive income.For sorry I do not live in any of those ares, I know them from EPL and try to do the research based on income and thier share in UK GDP , for sure london is the best but I can not handle the prices there.Based on my reasech I can classigy them as follow : Manchester is the best in , Birmingham , and then liverpool.I see Liverpool houses is more but rent to prices ratio is low .I need your insights on this with your valuable advise , considering the area I choose , I will keep investing on it and enlarge my protfolio in it for the next 10 years.

Feel free to list the property details (as-is value, PDTI, credit score approximation, city) and I'll give you an idea if the parameters look realistic relative to our standards!

The Down Payment can be higher, but the DSCR program can go up to 80% sometimes 85% depending on several factors like; Property Type, Location, Credit, Cash Flow, and Lender. 

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 would like to credit back a portion of my buyer's down payment on a house, say a few days after closing.

Some banks will give you 5% down with a good credit score but only on homes you're moving into.

FHA is good for low income, lower credit and offers higher DTI ratios to accommodate.

As Chris mentioned it works the same, however, the tax credits and incentives may be different for a primary home vs a rental.

One strategy I like to do is build in seller credits into my offers so the loan covers the closing costs, e.g. if you wanted to offer $500K for a property, offer $510K with $10K towards closing costs and that $10K is supported by the loan and can be used on the costs I mentioned above.