The Midwest has not one thing that is overly amazing, but it scores reasonably well in every single category.

We require a minimum credit score of 620 (averaged between occupants) to qualify.

Right now DSCR loans require 20-25% down by most lenders and your credit score will be a deciding factor for the rate and fees you pay.

It only happened once, so you have no evidence that this is anything but an honest mistake that's been corrected.The bigger concern is the 583 credit score, because it shows a pattern of financial mismanagement.

This is a summarized version of events, but stray I rescued off the street gave birth to 7 puppies, bringing my total to 13.

But, they have ZERO liability for the performance of that tenant.Second, 97%+ have no idea on how to screen a tenant, other than income = 3x rent and a credit score.

Hold on to the cards forever (closing accounts or opening new cards can impact your score).

Quote from @Christina Hall:  Why don't you watch my BPCON Talk:https://jerryll.wistia.com/medias/ydx9ksnx2jAll the proof is right there.Mods: This is a censored version of my talk at BPCON @Noah Bacon 

I made it clear that the minimum credit score and income requirement needed to be higher.

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