I am by no mean an expert on how to proceed, these are just a few options I would consider.

And the real volume is conducted by wealthy investors who have the option to build marketing machines and flip, hold, or wholesale deal flow at scale.

As a result, seeking option to purchase the property with 20% down with a FHA loan.  

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.

These cards often have lower credit limits and may offer rewards or benefits tailored to first-time users.

Are there any benefits to listing it for lower?

Hi Lisa - DSCR would be a great option for you.

The reality is the resale value might be greater if you combined two of the one bed units to make a two or three bed unit so the property would be a four unit property and qualify for the 30 year debt financing of conventional owner occupied multifamily property.Another option would be to split off the house and sell it as a separate unit.

Look at all your options and research what type of real estate investing is the best option for you.

If the seller is not liquid enough to provide a loan, they could attempt to find another financing option for the buyer.