Minimum credit score, down payment, closing costs, reserves? 

I'm thinking I should sell and reserve those funds for investments in stocks or even gold or a small business I can buy.

You can also use Google Drive to store receipts.

You can google how to do it but local hardware store should have all the tools you need.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I still use Stessa for administrative reasons to store documents and it can easily run a Statement of Real Estate Owned and other useful reports. 

That typically results in a higher payment and an open end mortgage (Credit card) versus cash in the bank that can act as an Asset and PITI reserves where a Heloc cannot.Feel free to reach out if you have any questions, I enjoy helping and talking REI.

I'm thinking Sherwin Williams Alabaster (SW 7008) and white windows, and it's fairly common and well reserved in our region.

I may even settle for one or 2 years negative but would not recommend this unless you have large reserves.  

If your short on cash or reserves you can always use a DPA program - Down Payment Assistance.