The “tales” of nothing down/seller subordinates “down payment” done successfully almost always hide the most important information - that the buyer either provided additional collateral (such as real property owned “free and clear”, a certificate of deposit in an amount greater than the down payment required, or the buyer is financially strong enough that part of the financing was in effect a personal loan or line of credit. 

I need the full package: credit report, criminal report, eviction history.Thank you for your help!

We're seeing very favorable local financing with credit unions throughout Oregon in recent weeks and months. 

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

Once the net amount clear in November bank statement make any journal adjustment necessary so your debit and credit are balanced. 

Have not yet spoke to local credit unions.This has all been validating to what I’ve been thinking about, but you also brought up a few real world examples that i would have missed. 

Lenders that offer DSCR loans generally don't have a cap if the mortgage payments are paid on time and the borrower has the credit score, down payment (or equity if a cash out refinance) to qualify.

I work closely with several local credit unions and commercial mortgage brokers and rates were dramatically higher just 30-60-90 days ago. 

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

Or perhaps have them pay an extra $50 a month, and then credit them if they overpaid at the end of the year?