To obtain a loan with little credit, consider DSCR loans, FHA loans, co-signers, and credit unions.

@Nicholas Owens try AmeriCU credit union outside of Syracuse.

There are some lenders who have strict overlays and that may hurt them if they go through a smaller lender or credit union. 

I would suggest talking to your local credit unions.

My credit union account shows the following entry:: "Withdrawal RT # NOT DEFINED [TENANT'S NAME HERE] 6060, -$1950.00." indicating that the deposit of the tenant's rent check #6060 in the amount of $1950.00 was reversed, resulting in a debit to my account of that amount. 

I think what should happen is that whoever they got it from should be able to email it to that person - so if I applied at trans Union within their system I can add who to send too and it would go to themI wouldn’t trust it coming from someone.

We spoke with a credit union who said that would be possible; however the loan was not approved due to both of us being NY residents.

You would be talking to regional banks and credit unions. 

All security deposits shall be held by the landlord for the tenant, who is a party to the rental agreement, in a bank, credit union, or depository institution which is insured by an agency of the federal government.

Once you get past credit unions, local banks and hedge funds that purchased in bulk, you gotta be careful.