Hi Zach,The best time to reach out to a lender is when you've gotten the rehab budget quoted by a GC and either have submitted your offer on the property or just received the purchase contract.

You are not allow to do deals behind their back and have to submit all paperwork within 48 hours.  

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

I’ve looked through ordinance documents for the city and county and haven’t found anything that makes me believe they don’t allow it.  

**Trust Documentation**: Some investors use a land trust to hold the property in a Subject To deal, which can protect privacy and minimize the lender’s focus on ownership transfer.6.

When allowed: -All subletting individuals are required to submit an application to the Landlord for evaluation and screening.

Here’s California's https://www.car.org/-/media/CAR/Documents/Transaction-Center...page 2 item 9.  

I'm assuming you purchased without getting a title insurance policy yourself, if I'm wrong, I suggest you submit a claim to the insurer. 

However, precise execution according to IRS rules and clear documentation in the divorce decree are crucial to ensure it qualifies for tax-free treatment.

I have asked for documentation and can get back to you once I see it.You might reach out to @Lynae Chambers She has a property that she rents as an Airbnb either in or near Morrison.