Your credit limit on an unused card will not generally affect your scores.

Some call a line of credit a bridge but its not its a open end mortgage and the lien is in second position.If you have any questions or want more info on the above types of scenarios feel free to reach out or send me an email.What you want in this current market is a cash out refinance unless you are trying to sell a primary or vacation home.

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).

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. 

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

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

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.