I'm looking for lender recommendations as well as how the rental income is used for qualification purposes and down payment requirements. 

(Most real estate has lower cash flow than a 5% cd or debt pay down.) 

The unit, in North Miami, would be paid for all in cash since the building didn't pass the fire inspection (ie. proper exit signs, etc) and wont be approved for a mortgage (it has passed the structural inspection however).

We also love tertiary or small town markets with exceptional cash flow.

My aim is to preserve cash and minimize the down payment as much as possible. 

I need to pull cash out. 

Investors that are looking to offset their investment costs can typically expect to cover the majority of operational and carrying costs, but those seeking positive strong cash flow and ROI can find limited cost saving inputs. 

Had to evict when purchase of a Harley trumped payment of rent. 

I think this deal makes sense just need the cash to make it work.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.