DSCR vs Conventional, and Direct vs Broker

[Colin McCarthy]

I'm currently shopping to refinance my first investment property, which is a BRRRR SFH I bought with cash. The rehab only took 3 months, so I'm considering my options. I want a 30y fixed loan. Here's what I've found so far:

Conventional from CU: 7%, $1650 fees, 6 month seasoning (so 3 additional months before I can refinance)

DSCR from broker: 6.75%, $5350 fees, seasoning already complete

Here are my questions:

1) Is it possible to find a DSCR with less fees but still only 3 months seasoning? Maybe by going directly to a lender instead of through a broker? I don't know where to find a lender for this though.

2) If I can't find a DSCR with a comparable rate and less fees, is it worth eating the fees to get the lower rate and get my money out sooner?