I seem to remember that I didn't even have a business card until then either.You are VERY late to the game to be making these decisions. 

Their character, their payment record, how well they take care of you property, etc all these things are for you to discover with your tenants and build trust between each other. 2. when it comes to screening, you must check their credit, their paystubs, their employer and landlord references, their criminal background, I also get a copy of everyone's photo ID.3.

I often look at them and think if they can do it, probably I can have some level of success too.Other key info I may have left out above:1) I am not in the US, and have no plans to visit or move there2) I am not a US citizen, but possibly have a credit history there (maybe none) since I attended university there many many years ago3) I am completely new to real estate - I've been reading crazily and consuming lots of content.

Quote from @NA Hirsch: What service do you recommend for doing a soft pull on a potential borrower's credit?

Hi Joe,Using a Home Equity Line of Credit (HELOC) on your primary residence can be a practical and low-cost way to fund flips, especially since the terms you mentioned include only a $200 yearly fee.

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 😫 

Just curious why you're looking at those two banks for credit cards?

So thepointsguy calculator would suggest that you still use the credit card at 2.5%.  

From a credit perspective, house hacking also helps you build strong cash flow, which can make it easier to secure financing for future deals.Additionally, if you're targeting high-appreciation markets, you could also look into cash-out refinancing down the line to pull equity and fund additional investments.