I used Hanscom credit union, which I hear a decent amount from other investors in MA.

I can tell you're already on the right track with your goals and strategy.

One approach is to emphasize your reliability and track record, showing that a lower EMD doesn’t impact your ability to close deals successfully.

We don't accept letters from three years ago or some quack on the phone with a credit card reader.

Since you're a licensed broker, this should be very easy for you to put into action on your own accord to test the viability.Start marketing your own services at the .6% rate and track all your numbers (deals, time spent, expenses, income etc).

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

DSCR loans are great options when the borrower has good credit and the deal is really solid.

You only need a place to track tenant information, payment history, maintenance, etc.

Quote from @Faysal Alam: What banks or credit union can I use to refinance a car under my LLC name , my car is a 2023 Tesla model y performance , I owe $42,500 on the car , I’m looking to refinance the car under my business , my business was established 03/2023 .

A few tips: maintain a solid credit score, organize your financials (especially your proof of funds), and be ready to show that you have a solid plan for your investments.