The sellers credited us with the security deposit and about $900 for rent (tenant pays $1200).

You can run your own credit report on one of the big three like TransUnion and bring that to the bank.

You can do as little as 0% down and maybe even get money back at closing if you can implement seller credits into your offer during the inspection period or prior to going in contract. 

Some lenders will let you both be on the loan and use the Higher of the credit scores between you and your credit partner. 

The more complicated your business structure becomes, the more problems it can actually cause such as when looking for lending options, getting the best interest rate, keeping clean accounting, filing taxes, opening bank accounts, getting credit cards, executing a 1031, making title insurance claims or even triggering a due on sale clause, etc. 

Credit HistoryMany companies use credit summaries, but we find these rarely tell the whole credit story.

This is basically an unsecured personal loan, like a credit card.

How hard is it to get credit reports and I have read some landlords get livescan on potential tenants. 

I do a rent by room strategy, and I use a tenant application platform (Turbo Tenant which I love) but they're having trouble inputting their info....Is there another way to verify income, credit score etc with a foreign visa?

If you want to do some flips or BRRRRs then you could consider taking out a Line of Credit against the three properties so you can use the cash with interest only payments for a short term project and then pay it back and then use it again (Lines of Credit are revolving - meaning you get to keep using the money).