I stand corrected:)They do have an office in Metro Detroit and while we're far from perfect, we seem to get a lot of their unhappy previous clients.In our opinion, they built a system for Class A rentals - where tenants have 680+ credit scores and rarely have to be evicted or trash properties.They then tried to apply their processes to Class B & C rentals and that's when their service issues increased.All this caused them to recently significantly increase their Flat Fee pricing and monthly minimum charges.

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

Focus on getting your finances back on track first—start saving and work on building your credit score.

A HELOC carries a higher rate over a shorter amortization usually 10 or 15 years and a mortgage carries a lower rate over a 30 year amortization offering a lower payment.You have to run the math in each scenario because the math differs based on a few things like Fico score, CLTV, Loan size, and time frame between purchase and refinance of new property.

FHA loans with low down payments are ideal for this.In the meantime, focus on improving your credit score and maintaining a solid financial foundation.

Here's an interactive version of the map, where you can zoom in and see more information such as population and population per acre: https://www.datawrapper.de/_/jDwi4/It tracks the change in population density (population/acre) for each neighborhood (census tract) in the Phoenix MSA from 2010-2020.

I have the credit score and make a good monthly living but I have no cash save up but have 2 cash flowing rental properties with one of them having some equity.

A U.S. credit score wouldn't be required but more money as a down payment would be.

As a PM Co owner and broker specializing in STR Acquisitions I use AirDNA - but only the premium version. 

In Colorado specifically, we’re also losing a lot of options due to an increase in our wildfire risk scores in many zones.