I'm looking to get a loan for my first non-owner occupied rental property but my current lender is telling me my debt to income ratio is too high due to my student loans and mortgage.

Conventional loan How did you add value to the deal?

You woul get signiture loans from banks for half the rate from that credit card.

Any conventional loan products for property in a flood zone (not sure what flood zone 9 is) requires flood insurance, which can be very expensive, and rates have been rising each year. 

Hi, I was wondering if anyone has been involved in originating or receiving loans from a 401k to purchase a property.

I always stayed away from Section 8 at that time and did Zero down purchase doing 80/20 loans and/or interest free loans as well. 

I am a Loan Officer in San Bernardino County, and the real estate agents I work with are always coming across solid deals here and there.

I did a Rent to own offer spread out over 4 yrs 10k  down payment in the form of 200 dollar monthly installments in that 4 yr period, paid alongside the monthly rent.

you'd use the DSCR loan to pay off the hard money loan.

I will note that some of the information on here will be different for you especially when it comes to loan products and requirements so that is something to keep in mind.