I am looking to purchase a single family short term rental and put in LLC.

Of course, the rate can be slightly steeper than the conventional loans where it is a full document loan, where they need to qualify you based on your income.Alternative way, is to acquire the 2nd property as an investment property with conventional, while putting 15%-25% down payment.

As far as I know, DSCR HELOCs do not exist and most of the trust worthy outlets I’m also aware of put 2nd HELOANs (DSCR) on pause.

Couple options that might be viable for you (I don't know all of your circumstances)- BRRRR into a DSCR by creating equity; partner closely with a lender before starting on this to cover seasoning and other requirements - also this will only work for an investment property, not a primary- bank statement loan/1099 loan may work if you can put at least 10% down and want a primary residence - will depend on how you're operating and a few other variables- seller financing; find a seller willing to carry a note for a few years- co-borrower; someone with decent income and credit who will be on the loan with you- DSCR purchase; be prepared to put down at least 75% or your rate/pricing will be horrible (70% is better); many lenders will have experience requirements; investment property only- find a private lender willing to fund the loan you need- get a salaried job relevant to your college coursework; your fico is strong and you have some cash, so househacking could be within reach via Fannie/Freddie multifamily purchase; get a solid workup from a competent lender before going this route as employment history will be touchy with this routeHard money can be used for an acquisition and rehab, but make sure your takeout financing plan is bulletproof before getting hard money.I'm originally from Baton Rouge.

I thought it was incredibly hypocritical when I worked for a bank and got those requests from "risk management".

I will soon be putting my property on the rental market and am making sure I have things in order to do so. 

But the real wealth is built when you put down 5-20% and the property appreciated as little as 5-10% per year.

The structure doesn't really matter at this stage and unless you have cash, you won't be buying in an LLC unless you utilize commercial loans, as you said, like DSCR, but you will be putting 20-30 percent down to get those loans.You are bit feet ahead of head here, excited, but focused on the wrong things.

If they do handle an unrepresented buyer, no other agent involved, the listing agent will likely have the extra charge in their listing agreement already to cover the additional work and risk.

In the multifamily space, this normally means that a building will be negative cash flow for a period of time, and that you would need to put cash/sweat equity in to turn things around.