Additionally, do you all generally use a smaller income criteria if the rent is inclusive of utilities? 

With the right resources and help, you can still make it happen.There are options that can help make buying a home possible today — even if your savings are limited or your credit isn’t perfect.

Local banks and smaller credit unions are most aggressive in this space.

Credit (loans) become much more difficult to obtain and if available you pay a MUCH higher interest rate with a much higher down payment requirement2.

If It is a wholesale DSCR lender that also does TRID loans, they might require a bit more paperwork, such as a VOM, mortgage statements for properties currently owned, and credit supplements on mortgages on your credit report.

My goal is to wholesale some properties single and multifamily to build some capital while fixing my personal credit and building my business credit.

Foreign National programs sometimes require that you have US credit and most will want you to have a US-based bank account.

Quote from @Zach Howard: Quote from @V.G Jason: Quote from @Zach Howard: @V.G JasonTo someone just starting out (only option of OOS) who can get access to 200k, but no additional financing at this time but an additional 50-100k max in reserve cash, where might you recommend they start - markets/property type/strategy?

You can go up to 6.75% and get 1 point credit towards the broker fee. 

There are also additional costs of operating and maintaining an LLC, like separate bank accounts, annual report filings, tax filings, etc.2.