I was a terrible negotiator, but I figured, anything under or at asking would be sufficient.

You definitely want to use a thorough screening method like rentprep.com that gets their income, credit, background check, and call at least 3 references (make sure to verify them by address/job and then their name).  

THANKS Your local credit union might be your best bet.

Can easily get fee worksheets and run credit/DU 3.

Other than paying for an appraisal or BPO (and maybe a credit report), you should not pay a lender anything until your loan funds.

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

I was a terrible negotiator, but I figured, anything under or at asking would be sufficient.

If you are looking at FHA because of credit score, then I would work on credit scores to qualify for conventional financing or see if you can get a very strong coborrower with high scores.  

Compared to other services that might offer lower-quality leads or require higher upfront costs/paywalls, Prime Tracers also give you free lead credits on sign up so you can actually see the results before you commit to a purchase.

I would say the average when you’re starting out is 30-60 days to get your first check or wire transfer.DO I NEED CREDIT, AN AGENT, OR A MORTGAGE COMPANY TO WHOLESALE?