I think a short-term fix-and-flip loan would serve you better because, first, the credit requirements are typically lower than a DSCR loan's credit requirements, and fix-and-flip loans will fund a portion of the purchase price as well as some or all of the rehab costs (usually through the draw process).Right now, saving your cash, rebuilding your credit, and finding both a partner (ideally with a higher credit score AND experience) and lender you're comfortable with should be your priorities.

My pleasure!

Students still come despite remote classes because it is an experience.

Since you are a casual landlord who never intended to originally become a landlord and because you only have a couple units you're never going to get enough experience to become proficient and therefore are more likely to experience negative tenant situations. 2.

I've read many discussion on this forum, but nothing really comes close to your own experience. 

Btw, she isn't new. 10 years experience, I think

Does any one have experience with direct mail marketing companies like Wise Pelican, ReminderMedia or Mailchimp?

Most lenders that she has approached wont lend to her because this is her first BRRRR; no experience. 

I was seeing if anybody had experience using either one?

I have been a nurse my entire career, So Real Estate is very new to me, I have been reading books, and listening to podcasts and trying to learn all I can, but have no hands on experience, Im a little lost but I'm hoping with the Bigger Pockets Community and their expertise I will find my footing.