I think it's important to start with this - is your 250k debt what you owe in principal on the mortgage on your home or is this separate debt (credit cards, cars, medical, student, etc)?

California would go as far as looking at her credit card statements to prove she spent more of her time in CA. 

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

Perform the same task in each app to ensure a fair comparison.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.Run a credit/screening report on yourself.Enter a maintenance request, assign a vendor, and attach a fake invoice.Enter charges to the tenant's ledger.Enter recurring charges and automatic late fees.Sign documents electronically.Run owner reports.After testing a few apps, one should clearly stand out.

Her credit score is good at 745 and frankly, we could pay off some zero interest credit card balances that would likely bring her score up near 800.

Plus, the seasoning of the company can make it easier to secure better credit terms or refinance quickly since lenders often view established entities more favorably.One of the biggest advantages, though, is the flexibility in negotiating the down payment.

I’ll be happy to credit you $200 (1/2 percent) when we close in 30 days, earning you 6% on that money. 

Credit Partnership -  A person lends his ability to get a loan but doesn't supply any down payment.

I'd hope that the AC contractor would check the woman's credit and home ownership before beginning such a big project.

However, there are 2 conditions I require- I'd be limited to a DSCR loan since I don't have credit history in the USA yet.- I don't need a 7/6.