Run a full background check to see their credit score, prior evictions and criminal record.

So, obviously a good score is accepted, but also no score gives me no reason to disqualify someone.

If you are managing the property yourself, then yes, meeting the tenants is crucial, as a credit score and background check can only say so much about a person.

And lenders are at end of day just statistics machines, that is the job of an underwriter, to quantify an applicant into a mathematical risk score. 

Also remember that no credit score typically can not be held against someone as it can be a sign of a form of discrimination, depending on the reason.This is one where you should ask a legal expert if you risk violating any fair housing laws by doing this. 

When people ask me how much the deposit is, I say it depends on your credit score. 

Hello Andy, if your 1st property is finished you will be able to pull 75-80% of the market value out of it, if you have a minimum of a 660 Credit Score you can get a DSCR rate which will be in the high 6 to low 7% range.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

@Becky HoffmanHave you tried speaking with any local banks or credit unions?

In your position, I would go in to a small community bank or credit union.