While this is likely not true for Wellings, I see many, many formerly equity syndicators that seem to have deals going sideways from 2021/2022, now all of a sudden being "private credit" syndicators (I have noticed a lot of these pref equity funds/investments are calling themselves private credit, which clearly has a broader meaning).  

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

It may slightly negatively effect you credit score

I fought with them for months and finally had to call my credit card and tell them it was fraud.

Partner effectively, focus on securing your first deal, and build savings and credit.

So now I have to fight with them on this… While I didn't get the above mentioned credit I did get a different credit from them.

For example if someone has a heloc from 5 years ago at 3% and figure to use that vs. there cash which is liquid and earning them 6% that is ok, but if you are tapping it out at 6% for another property then you are over leveraged and that can get scary.Banks know the above which is why they have for the most part shutoff lines of credits on investment properties.

This will result in paying the least amount of interest over time.Alternatively, people will suggest to pay off the mortgage with the lowest balance. 

The cash flow from this property ($1,300 profit after expenses) can also help support your ability to qualify for a refinance.HELOC (Home Equity Line of Credit): Another option to access equity is through a HELOC.

The lender wants to run your credit score to determine whether you're Dilcia Morales or not.