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If you are planning to use a DSCR loan, lenders will want to see a valid lease, utility bill, or official document supporting you are living somewhere else. 

It cost $200 for all the documents, tax ID, forms necessary for opening the bank account, and a year of support.

I have some auto-denials in the "review phase" based on landlord reference such as numerous late pays on rent, numerous documented lease violations, and move-out damages exceeded collected deposit... but still have yet to enter the "landlord reference/review phase" of my screening process due to the details on their CBR's as noted above. 

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

Well I looked into the document and lo and behold it was in the policy.  

I have an attorney who reviewed all my documents and mentioned we have enough evidence pictures/email conversation to take them to court and claim back all loses which I am considering if they don't take care of my case properly.

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

https://www.biggerpockets.com/...12 Frequently Asked Questions (And Answers) About DSCR Loanshttps://www.biggerpockets.com/...8 More Commonly Asked Questions and Answers to DSCR Loanshttps://www.biggerpockets.com/blog/eight-questions-and-answe...What Documents Do You Need for a DSCR Loan?

Should I reach out to the adjuster and submit this other quote, or is it pointless since the first already got submitted and is less money?