As for the downpayment, the lender might be requiring more down in order to meet DSCR requirements. 

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

Wondering if anyone has a commercial lender who would know where to find a loan to accomplish my goal...

After over a decade in asset management where I currently oversee a portfolio of more than 45,000 apartment units nationwide for a large Fannie Mae/Freddie Mac lender, I am finally ready to get into my first small multifamily buy and hold investment.

There are all sorts of other lenders out there where there is no limit. 

Yep, similar to my primary regional bank lender in DFW.

I'm trying to compare 2 cities to see how the rents go up there year over year.

Maybe that lender has some sort of weird requirement regarding where the funds need to come from, but typically a HELOC isn't an issue....

Generally the biggest con or concern on rural (from dscr lender perspective) is the availability of the land to build competitive supply cheaply that can challenge the value of the subject property. 

I want to ensure my taxes are solid, since I would like to be able to qualify for a traditional mortgage next year rather than continuing to work with hard money lenders due to the rather high interest rates I deal with(I still make it work, but of course more profit to be made with a conventional mortgage).Thank you!