The credit unions tend to have lower fees and offer solid business products.

That way, you might preserve some of your monthly profit while still knocking out that line of credit.

CA there is NO possibility of a deficiency judgement on a purchase money owner occ loan.. borrower can walk and the worse that happens is their credit will have a foreclosure if the bank goes that route or a deed in lu. 

The only things that matter are credit, down payment, reserves, and DSCR ratio! 

Current rate is 5.75 and credit scores are around 750.

Credit reporting is a no-brainer, and Baselane is excellent for releasing it!

What's the lowest credit score you will allow?

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

That affects your credit for instance.A better way to look at it is voluntarily making the mortgage payment for someone.

Is the credit over 780 for both #2 applicants, or is that an average?