After everything was fixed and they listed the unit, apparently they claimed that I was not allowed to have any understanding of who would be renting my home due to potential bias and discrimination (this is the first time I have not been able to view applicants general profile (credit score/occupation(removing any identity markers)), but fine, I let them choose the tenant and so far there hasn't been any issues.

They should be able to tell you a score.

"Make sure your tenants have good credit scores."

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

Is DSCR refinances the best option if I can not find a local credit union/bank to work with me on these cash out refi's? 

Instead of going through banks or credit unions, this method involves borrowing money from private individuals or organizations.A major benefit of private money lending is the flexibility it provides in terms of loan conditions, interest rates, and repayment schedules.

The 650 score will be a major barrier to accessing the equity via DSCR cash out. 

Quote from @Akmal Normuratov: @Chris Seveney got it thanks You could get rates in the 9-10.5% range if you have a good credit score. 

Normally the credit unions are the place to go for the best heloc rates. 

@William ThanI suggest speaking to local banks and credit unions.