For example, require a minimum FICO score of XXX, gross monthly income X times the rent, and verifiable income for the last X years.

I'm not an loan officer, but I know some banks locally like ORNL Credit Union have offered a 0% down conventional loan product.

I'm told the screening criteria credit score is on the higher end .But most of the listings I see are also on the same league.

THere is a loan I have seen folks using in the past... not sure if it is still available but it is the MACU90 loan with mountain american credit union and it is a 10% down investment loan.

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.

Fico while they will look these are not credit score driven loans like those buying rental houses or houses to live in...

@Vijay Singh SambasivamI would suggest speaking to local banks, and credit unions.

The appraiser gave the house a low score so the bank said it is a risky investment for them and gave me a 70% loan.

Most banks/credit unions have clauses that prohibit borrowed down payment funds or seconds on the property. 

Prepare financially by saving for down payments, improving your credit score, and setting aside emergency reserves.