DSCR or asset based loans don't require tax returns and usually can go up to 75% LTV and rate can range between 8%-11% depending on experience and fico score. 

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

You set your screening standards at a level where they will most likely not qualify, as a example setting a high credit score requirement will eliminate many on disability.You keep taking applications until you find the highest qualified applicant.

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

It is such an incredibly simple addition it makes no sense that this is so complicated.

Using a service to report rent debts to Credit Bureaus can be very effective at recovering those debts because it can impact their credit report and score for years to come, typically 6-7 years depending on location. 

It's an incredibly powerful hack if you do meet the criteria.In other words, marry a real estate agent who's an RE Pro!

But, as you pointed out, the product is money, and keeping the conversation focused on the exchange of value is key for others.It’s all about knowing your audience, and it sounds like your no-nonsense style has been incredibly effective. 

Until now, I had a great credit score, but I'm concerned that my increased debt might affect my ability to obtain a HELOC or a Home Equity Loan.A lender approached me, claiming they could help me secure a HELOC, but the encounter felt coincidental, making me feel vulnerable.

These "b2b" contracts and contacts are incredibly valuable, so cultivating them is important.