(and I have full time job so time is limited)Here’s a breakdown of my investment plan–I would greatly appreciate any guidance and recommendations on making this (or some version of this) happen.PropertyLocationAttributesB-level areas (A-D scale)Safe enough for my girlfriend to feel generally safe walking alone in the eveningWalkable neighborhood / close to transit (car ownership not necessary to live there)Area(s) of interest (not set in stone)Jersey City areaConditionB or C-level (A-D scale)Semi-distressed with potential for minor rehab upgrades ($35k max)DealbreakersFoundational issues / big required rehab due to FHA 203(k) max for streamlined versionSize2-4 units (higher the better)2-4br per unit preferredMax Budget (FHA loan limits)NYCSingle-Family Home: Up to $1,089,300 + 3.5%Duplex: Up to $1,394,775 + 3.5%Triplex: Up to $1,685,850 + 3.5%Quadplex: Up to $2,095,200 + 3.5%Hudson County, NJSingle-Family Home: Up to $1,149,825 + 3.5%Duplex: Up to $1,472,250 + 3.5%Triplex: Up to $1,779,525 + 3.5%Quadplex: Up to $2,211,600 + 3.5%TimelineTitle in-hand latest: Jan-Feb 2025Can potentially buy earlier if I sublet my current apartment in NYC as needed (lease expires Mar 1, 2023)Rehab: 30-45 days max of minor rehab/renoMove-in: on or before Mar 1, 2025 (hard deadline)FinancingLoan type: FHA or FHA Streamlined 203(k) for rehab <=$35kPossible conventional loan if I seek investment from family/friendsApproval statusGoal is to get pre-approved now in advance for credibilityMy statsEmployment: Full-time at large bankIncome: low-mid 6 figuresAssets: low-mid 6 figures (including 401(k))Credit score: 800DTI: 2.5% (student loan)Thank you in advance for your support.

I used to have on my listings 600 credit score. 

For example, I require cosigners to have a 680 credit score and they must have enough discretionary income to cover the rent they are promising to cover.I have a separate Cosigner Agreement that they sign.

PadStats uses a proprietary socioeconomic viability score for each block group, census tract, and county in the US.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

I'm considering a business loan of $35,000, with my credit score at 748.

Over the years, I've gained invaluable insights from this incredible community, and I'm eager to contribute and give back.As the founder of Data Led Designs, I specialize in business intelligence and interior design, focusing on leveraging detailed data to inform STR investment decisions across the US.

All it's looking for at that point is total liquidity, credit score, factors on the property itself.1040's, pay stubs, Debt to Income ratios and things like that aren't a factor here.

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

can definitely take it non qm no issues . what is the credit score ?