.- Institutional Capital & Private Equity: By moving from hard money to institutional financing, you can secure larger credit lines with better terms.

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

Of course, he is free to come here and prove me wrong.

As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.

Incidentally, I cancelled last year when it auto renewed as well - I guess I've got to completely delete my profile and close the attached credit card for a cancellation to stick?

We're willing to live almost anywhere in the greater Sacramento area based on what we can afford, provided of course that the property is in a decent neighborhood that has a good chance of attracting responsible tenants.As for budget, I believe we could get a conventional loan for properties up to $600k, but my strong preference is to find a distressed property (or seller!)

This of course can be scaled up as well for better profits, if you have a 1 acre lot, you can probably fit 2 buildings with 4 units each (depending on zoning requirements), or 4 buildings on 2 acres and so on.

Of course, you're in FL and I'm in NY so there's a world of difference.  

referral of course! 

Quote from @Zach Edelman: If you do a DSCR loan and vest it in an entity - you and your partner can both PG the note and it will report to neither of your credit reports, thus having no impact on your DTI!