Someone found us on our YouTube channel and the rest was history.

@Cartus AikensAlso as far as research on the history of the property; I work with these documents everyday as a landman.

First off a little about myself, I am 37 years old with a wife and daughter.

We would need to verify primary residence payment history (so if you're renting we would get that). 

My daughter uses her Wells card in Barcelona daily!

It sounds like in California, no you cannot get records of people who have had their water turned off unless you can convince "..the utility... that the public interest in disclosure (of these records) clearly outweighs the public interest in nondisclosure.”The paragraphs below are from here https://firstamendmentcoalitio...Unfortunately, there is a specific exemption under the California Public Records Act that exempts from disclosure “the name, credit history, utility usage data, home address, or telephone number of utility customers to local agencies,” though it goes on to state that such information may be made released “[u]pon determination by the local agency that the public interest in disclosure of the information clearly outweighs the public interest in nondisclosure.”

Me, my wife and daughters are named as trustees.

As a Direct Lender, (meaning the actual lender underwriting the loan and not a mortgage broker), DSCR program looks for good credit payment history, good credit scores, and validates your available accessible Cash for the Down Payment. 

We consider the tenant as a whole- Income, rental history, credit score, ect.

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