I am trying to decide whether or not I should go through a traditional bank (JPM), a morgage broker, or try and find a credit union.

Do you have crappy credit or something? 

Maybe with automatic payment stuff and you can request changes to your credit card due dates, you can take as much advantage of the float. 

Calling me a "newbie" would give me too much credit, but I do want to house hack when we move, and then look into rental properties if I manage to be a decent landlord.

What is the ideal credit score lenders are looking for?

Have them sign lease at full amount, then give them a monthly rent credit.

Hey @Roy JenkinsAs long as you have good credit, typically above 720, being a first time investor won't be overly punitive.

However, these are the ones most commonly used:Five-of-Ten-Year Test: You must have materially participated in the activity for any five of the past ten years.500-Hour Test: You must have materially participated in the activity or activities for 500 hours in the current tax year.Step 3: Calculation your participation hoursEnsure you are tracking your participation hours.

I never run credit so I am curious to know from current lenders that deal with credit daily. 

How hard is it for a person with high credit score but no income, retired to get a loan?