For now, my immediate goal is to pay off all of my credit card debt (should be accomplished by February 1.), and continue to educate myself on NOI, Cap rate, cash-on -cash return etc.BP community, I am open-minded, willing to take initiative, always willing to be taught something new, but also ready to share any experience or knowledge I have that can help someone else. 

Thats your bonafides to being able to do future deals.As mentioned above, keep your credit perfect.

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

Interesting approach, how would multiple refi affect my credit score?

Similarly, a credit report fee upfront is reasonable, but these can often be avoided as well.

If I were in your position, I would look for a bank or credit union that will give you a line of credit against the rental property.

@Brock Bernall As a rookie House hacking is the best for getting started has the lowest risk and best profit for a low down payment option.

I’d suggest starting with local credit unions or community banks—they’re often more flexible with investment properties.

If it is a credit/equity line, you could provide a lender letter that the funds are available immediately for funding - and cured any recission period. 

Then they didn't pay them and the  bad credit goes to someone else!