Shopping and area attractions are close by.

My understanding is that a gift cannot be used as a down payment for an investment property, so my thought is to wait 2-3 months before applying for a loan, to season the funds. 

They've always wanted two years of tax returns.I know everyone says you "don't need anything" for DSCR loans, but I've always found that you... do.The key difference is of course that your DTI ratio plays no role in qualifying for the loan.I obviously can't speak for OP's experience and don't know who her lender is.Hey Nicholas - most one-stop shop brokers look at lending options other than DSCR.

I would strongly encourage you to shop around for other options for this particular scenario.

I would reach out to Brenna Carles at The Mortgage Shop 

It's always the new ones that shop you to death and are asking for unrealistic terms. 

I recommend you work with a mortgage broker that works with 220+ lenders to help you shop for the best lender for your situation! 

This is something you can shop for, so you can call title companies to see what is normal. 

With your excellent credit and a solid down payment, they may be open to adjusting their rate, especially if they know you’re shopping around.Explore Non-Traditional Lenders: Some private or hard money lenders could offer lower rates for DSCR loans, particularly if the property cash flows well.

All the best - and would gladly do a ‘cup of coffee’ with you some day if you wanted to talk shop!