I have found the JLDs to be mostly from credit card companies and banks, but I am still unsure if that's what I am suppose to be looking for or not.

Wife and I both have an 800 credit score and plenty of income with a 19% DTI ratio. 2) Do you recommend that as a first timer I actually do go with a higher down payment product as I learn?

There’s definitely a strategy to applying for business credit to avoid alerting other lenders that you’re shopping for credit.

Quote from @Chris Seveney: Quote from @Jay Hinrichs: few things if these are sold to homeowners were the dodd frank rules rigidly followed when you did these.if they are sold to investors then DF doe not come into play.while credit and such matters keep in mind note buyers will want a 12 to 20% or more annual return..

One pssible workaround might be exploring smaller community banks or credit unions.

US Treasuries will not see their credit rating improve, and will, within the next 12-24 months get another (small) downgrade, inching up treasury yields.

Do you have an idea of the total tax credits?

I believe up to close to 40% down with a 720 or greater credit score on a conventional loan product could give you the best interest rate. 

For me A or B grade means that you can get a tenant with a 700 plus credit score with an income well above the minimum threshold. 

First, it is necessary to achieve favorable financing terms and  secondly, I do believe cash flow should carry most rental properties with limited exceptions.