Quote from @Vince Scipione: Standard would be an FHA loan for your situation more than likely.

I recommend that you find a trusted or recommended Mortgage Loan Originator (MLO), who can give you options for property-based loans (mostly investment loans) and they don't use your taxes but the P&L of the property.

With my situation of not being bankable, would DSCR loans still apply to me?

The VA and Fha loans have been able to do it but their strict appraisal guidelines make it tough to buy the often older homes in my market in Virginia Beach / Norfolk Area. 

This money gets added onto the back of the loan kind of like a VA funding fee does. 

Since the original loan was apparently for a primary residence an LLC could never qualify because it isn't a person who would owner occupy the property. 2.

I've received apps in the past where this was the exact situation only for the borrower to not qualify and be stuck. 

VA loans are the only loans that allow this, and there is no rate penalty for it no longer being your primary home.With that in mind, you could do a cash out refinance today at a higher rate than current market rates which will create profit on the loan, we can take that profit to pay for your closing costs.

Or stay depending on your situation. 

I have been trying to save up money but it is not near a down payment for a traditional loan.