There are a bunch of ways to do this depending on the property type, usage, and you (income and credit scores).If this is a primary residence, you can get up to 90% of the value of your home minus any exisitng debt. 

Just be sure it’s documented and consistently applied to avoid any Fair Housing pitfalls.Another option is to stick with strictly quantifiable criteria—credit score, income ratio, etc.

As long as you have a credit score of at least 620, an HML/PML should be a good option for you.

You might find a local credit union or community bank that will go to 95 -100%.At one point I called 2 different VA Regional Loan Centers regarding this section in the VA lenders handbook:Assumability - The second mortgage should not restrict theVeteran’s ability to sell the property any more thanthe VA first mortgage.

@Amanda Bradley Tenant sounds like typical Class C with a credit score under 620.How hard was it to find this tenant?

I am about to buy a house in an area with a Rabbo score of 36 or so.  

Before buying or renting in an unfamiliar neighborhood, you should check the following two sites: SpotCrime, AreaVibes,These sites provide valuable information, including Livability Scores, which cover aspects such as crime rates, employment, health, housing, schools, shopping, and more.well, anything can happen anywhere.

I have ~750 FICO score.

So I get this referral from a relative about a tenant who has good credit score, no criminal history, and a good paying job.

That way she could see income, credit score, background check, etc.