Also $0 claims always impact peoples insurance as it changes their "insurance score".

Congrats on this venture - new construction (for the first time) is incredibly complex and exciting!

Alternatively, there are programs that will allow borrowers to qualify high LTV with either a US Credit score or ITIN.

This is one of those situation where the HELOC on your primary residence would be easier to get, especially while you have excellent credit scores. 

@Michael Elefante What an incredible story!

@Yaakov S. doubt these tenants have high credit scores, so you're probably dealing with Class C tenants with under 620 FICO scores.THIS IS NORMAL BEHAVIOR FOR THEM!

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

INNAGO has been incredibly beneficial for me.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

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