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

I did hear back from TrueBooks and they had my return ready for me to review, but there was a tax credit missing, so we’re back to waiting for them to make corrections 😫 

Either way its good to buy end of year as most builders and sellers are offering seller credits or builder credits to use towards closing costs or to buy a rate down to help get a lower payment.Even if you wanted to buy a strater home like a 2-4 unit as a primary again you only need to put 5% down. 

Perhaps slightly higher from an alternative lender but definitely not from a credit union and expect much higher fees.

Those "good contractors" usually have the lines of credit or means to pay for supplies up front if they know they will be paid on time and are not desperate for a deposit to go get the supplies.

This often means a smaller down payment and lower monthly payments compared to a traditional bank loan, especially since the seller may not be tied to the high interest rates banks are offering.Another option is a land loan from a local credit union or bank.

I did check it out and got the higher rents like the analyst tool said. 

You don’t need necessarily need to build credit.

@Otis Clayton You say "I am at the point that I want a partner with some cash and credit to refi the deals I get from marketing and talking to sellers"Based on that you are looking for someone who has cash and credit, wants to invest/benefit from real estate but does not have time to find deals.Look for someone like that, be clear on their role and your role.

By the way, credit card expenses count when charged, not when the credit card bill is paid.Buy more stuff.