Played this whole 'I'm just a laid-back guy looking for a place to rest my head while I teach these kids history' on some Coach Carter ****. 

When applying for a loan for new construction, banks typically look at your credit history, income, and assets to determine your eligibility.

Let's not forget about Syracuse, NY (but just from an investment perspective).Syracuse, a prominent city in New York, offers a rich tapestry of culture, history, and education, highlighted by institutions like Syracuse University.

I use the following criteria: Applicants minimum requirements Policy:Applicant’s gross monthly income must equal approximately three times or more the monthly rent.Applicants must be employed and be able to furnish acceptable proof of the required income.Applicants must have a credit score at or above 600.Applicants must have good references concerning rental payment, housekeeping, and property maintenance from all previous Landlords.Applicants do not have a history containing evictions.Applicants do not have a history with felony convictions.

Learn smart funding plans like lease options, seller-backed loans, subject-to deals, and wraparound mortgages.Build your credit and financial profile by paying down debts, maintaining a good payment history, and demonstrating your investment knowledge.

Verifying last 2 years of rental history very important!

You may not need Booking.com but I use it as we have guests coming from out of the country due to St Augustine's tourist attractions and history.  

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

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

You need to find contractors with a long history and strong reputation.