I'd recommend keeping them separate for that reason. 70% LTV should be doable as long as you qualify (LTV can be affected by your FICO scores).

On the north side, my credit score requirement is 680 and I strictly require their monthly household income to be 3x the rent.

I really appreciate your advice, and it’s incredibly helpful as I’m starting my journey in wholesaling.

When getting a DSCR loan whose credit score is the lender going to use?

@Geovanni Cano sellers don't like FHA, it is meant for people with little money and very low credit score, plus you have an FHA inspection which can derail a deal a week before closing, nothing the buyer can do.

Some people are mentioning how they’ve been successful buying OOS site unseen.BUT, let’s keep in mind that that was a totally different market ago where almost everybody succeeded (low rates, incredible appreciation etc.) 

It allows tenants to increase their credit scores by an average of 60 points, and I provide it free of charge.I have over 600 adult tenants.

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

The shelters and foster networks are incredibly overrun, and I want to be responsible and not hand them off to random or possibly cruel strangers.

If you are going for college students you will most likely also have their parents co-signing for them since most of the students will probably have next to no credit score or income.