However, I'm burdened with credit card debt, a HELOC, and a personal loan.

0 down with conventional mortgage loan with PNC, seller dropped the price because at the time, he had 2-mortgages to pay.

It's the same work to do a $55K loan as a $500K loan so the fees will be higher due to the loan amount but will still be much lower than what a lender or broker gets paid on a higher loan amount.

I have a town home that cash flows $600 a month at an interest rate of 3% ($250k left on the loan).

It has a conventional 30 year loan.

Would you use the DSCR loan or is there a better product out there? 

It is more difficult for buyers to get loans.

0 down with conventional mortgage loan with PNC, seller dropped the price because at the time, he had 2-mortgages to pay.

SAVE a bunch of your income.. starting off being a high income earner .... all things that help you create this machine as fast as you did.Have you thought about using the cash flow your not touching to start paying off your highest interest rate loans first. you get them paid off its like owning another unit without having to buy one.. your pay day comes when these are all paid off.. !!

@Jose Leandro Gobea It's rare to get a loan for the down payment from any kind of lender.