DSCR lenders will be able to go up to 80% LTV and require no seasoning as long as there has been documented improvements and the property can debt service at the higher loan amount. 

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

Non-QM are Generally about 3/4% to 1% higher than Conventional rates, but that really depends on the program, your credit score, LTVs, occupancy status, income documentation type used (if any)...and the list goes on.

Which is why I've always referred to qualified buyers, and the agent can insist on a documented relationship (as a lawyer, I'm big on documentation) after the potential buyer is qualified.

It was much more comprehensive & the documents are much better. 

You should consult an attorney or CPA for your specific situation.ANONYMITY: When you create the LLC, your name is recorded on the documents and published on the Secretary of State's website for all to see.

Two separate documents.

.) - you should be OK but it would behoove you greatly to get some sort of documentation like a BPO (Broker Price Opinion) of the value now for use later in the refi!

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

If I'd know that I'd be paying it for the life of the loan I would have been better off paying the extra 5% down payment and enjoyed the lower interest rate but I don't recall ever being informed of that or reading it anywhere in my documents.