RUBS are illegal and individual meters is not feasible at this time. 

There are also 'mezz' lenders (typically for larger transactions) who will cover up to 90% CLTV and require you to bring the remaining equity to the deal, and additionally there is Gap Funding in the form of unsecured personal debt.The latter can potentially be the most expensive option, but allows for true 100% financing as there are no restrictions for how to use these funds, as they are unsecured, and generally obtained through personal credit, income etc (since there is no collateral for obtaining these funds).

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

Check AirDNA for demand, pricing, etc.The Dekalb Board of Commissioners has proposed regulations for short-term rentals. https://engagedekalb.dekalbcountyga.gov/airbnb-dekalb-countyShort term rentals require you or your property manager to be hands-on and come with more risk.

The entire goal is to help you / individuals like you who are interested in a finding an agent who works with real estate investors.

There were at least 5 individuals who seemed ready to rise to the occasion and help this poster with their borrowing needs.

My role does not require any underwritting to deal presentation to the principals.

We always do all health and safety-related items, plus items required to attract our tenant pool.

I’m especially interested in residential rentals, STR's, or multifamily properties, but I’m open to exploring other areas as well.I’m here to connect with like-minded individuals, gain insights from experienced investors, and contribute however I can to this community.

If you're eligible, a VA loan is your best choice since it requires $0 down, no PMI, and allows multi-family properties.