@Timothy Hero community banks and credit unions are the OG DSCR lenders.  

Quote from @Clayton Silva: Quote from @Jeffrey Blackman: Quote from @Clayton Silva: 2nd position HELOCS on investment properties are typically capped at 70% LTV and have rates ranging from 9-11% just a heads up unless you use a local credit union where you have cash on deposit with them. 

You’ll want to check with local credit unions or smaller banks since they often have more flexible HELOC options.

For example, I mention that every adult must pay a $XX application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

@Ryan Vienneau I'm a Buildium customer too, and it blows my mind they don't have credit card tracking in 2017.

Do you usually screen tenant (credit score, income etc) just like the LTRs?

Sounds like the person knew what was going on with their credit report as they have filed reports in the past. 

I am not familiar with Avail and whether a LL can view credit history.

Have you leveraged lines of credit, private lenders, portfolio loans, or other creative financing options? 

I don't know if credit unions can ever do this stuff?