Also my credit score are 820 across the board.  

FHA loans will allow lower credit scores, however the minimum down payment would increase from 3.5%. 

I have a good credit score 8000 about 40K saved no debt but prices in New York are way too high any advise or anyone in NYC that has invested here.

The article does say " Alternative Assessment Methods: Consider looking at a potential tenant’s credit score, rental history, and references.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Despite having an 800+ credit score.

The North Texas city's population has grown by 7% and its economic diversity has been a key factor in sustaining employment and population growth, according to the report.Austin's prosperity was tied with Fresno, California for a top 5 rank and total score of 59.9 points.

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

Names are not given.1) Credit score less than 650 with 24 derogatory marks.

Personally, I like to seek debt from small local credit union and banks, aka portfolio lenders.