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

A U.S. credit score wouldn't be required but more money as a down payment would be.

These can be further broken down into lender closing costs and third party closing costs.Thelender closing costs can include underwriting fee, processing fee, funding fee, origination fee, credit report fee, and tax service fee among others.

Originally posted by @Morgan McRae:I found this discussion very helpful.

Given your experience and strong financials, you have some solid options:Commercial or Portfolio Loan: These are tailored for investors and can help you avoid personal guarantees, especially since you have an LLC.BRRRR Loan (Buy, Rehab, Rent, Refinance, Repeat): Some lenders offer BRRRR-specific loans with funding for purchase and rehab, allowing you to refinance based on the new ARV once stabilized.HELOC or Cash-Out Refi on Current Rentals: Tap into the equity on your single-family rentals to secure funding for the 4-plex purchase and rehab without high origination fees.Each has pros depending on your cash flow goals and timeline.

My fiancé and I have been saving and working on our scores in order to buy our first home.

They will run your credit anyway later, but the bank can give you some estimates with the credit score.

Where in New Jersey are you originally from?

My understanding is that the buyer assuming the loan has to meet the same credit/underwriting criteria as the original borrower, but this is not my area of expertise - lenders are typically not involved in assumptions.

Originally posted by @Richard Ladenberg:Thanks for the reply Will.