That would really depend on where you buy it.

I have maybe 100.00 of liquid cash, my credit score is 577 and I have a home 3 bedroom that I pay a Mortgage too.

It all depends on where the property is located. 

The cities you mention will all be Class A, B or C depending on the specific neighborhood and the property itself.MTRs typically must be Class B+ or higher, so how are you determining that?

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

You just need to hit a certain credit score threshold and the property needs a .75 or higher DSCR ratio (monthly rental amount divided by PITI).

There may be many options available to a first time homebuyer depending on the area that you are in. 

It's not that lenders do anything on their end to fix your score, but they can pull your credit report and identify the areas that are harming your score and then set up a plan to help you fix those. 

Make sure you have some clear agreements written, or even signed depending on your trust level.  

Hey @Avery Biles - Like @Bruce Woodruff mentioned the answer is...it depends!