Take a look at this chart: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% This is how likely a borrower is likely to default on credit extended to them.

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

I could likely see many things from the TCJA being made permanent, mostly procedural items like the higher standard deduction and child tax credit (Plus eliminating exemptions).

I also have a credit score of 756.

@Haiden Welch I'd lean into local banks and credit unions.

Some of these renters are capitalizing on low interest rates and choosing to buy, but many are unable to buy due to lack of down payment or credit factors. 

As for lenders, look for local banks or credit unions that understand the value-add you’re creating in each property.

The obvious answer here is to somehow get some income and start paying down the credit card debt. 

As long as the property generates enough cash flow, you may qualify based on the asset alone.Another route is to explore portfolio loans from local banks or credit unions.

The reason being I have to build up my credit score before I can get approved for a loan.