I just got a lender and pre approved, and have found a potential house.  

Have you checked out Facebook groups for potential leads?

Your best bet is find a lending broker you trust and like working with and they will almost always have a loan product to help you fund! 

It sounds like trying to find a DSCR lender that will do no points is your best bet.

They are getting what they really want, and you are crafting the deal to where it will still make sense for you.One potential issue is if what is most important to them is most important to you as well.

Knowing it means understanding what the potential (real) cash flow will be, based on what you are looking to pay. 

If your market supports medium term rental demand and you're having issues getting booked, put yourself in a potential guests shoes when reviewing your listing. 

I bet that is a great Airbnb property.

You want to be protected from all losses and the rent check not coming for a year while the unit is being rebuilt is one of those potential losses. 

I bet your insurance and taxes went up more than 3%.