In the Denver market, we have the luxury of requiring a 700 minimum score, but I imagine you could get a 700+ credit applicant with a few improvements. 

Not everyone has the 'push-a-button' luxury for 20 deals, as you mentioned.

I think I will call tomorrow some local nearby luxury apartments to see if they have garbage disposals installed, and that will give me an idea what the upper end rental market is doing.

I bought two luxury STRs in the beginning of 2022 and they had fantastic revenue for a year and a half until one of my partners needed to get out and we sold them for a good profit in October 2023. 

I can't comment on if there was discrimination or not in your case as I wasn't involved, but the above requirements would be in place if Jeff Bezos called me for a loan to develop a new Amazon Warehouse and was willing to personally guarantee it and pledge his personal mansion and pay triple the normal mortgage broker fee.

Purchase price: $1,075,000 Cash invested: $160,000 Indulge in modern luxury at this fully renovated 4-bed, 2.5-bath home boasting new roof, AC, windows, and pool equipment.

Ive seen really luxurious one pieces and manufacturers claim it to be very easy to maintain and resistant to mold.

I can assure you in in upscale and luxury, having a place to put clothing - be in nice closet organizers w drawers or a dresser, is likely a requirement to deliver on expectations in those price points. 

Flooring guy to install LVP (luxury vinyl plank flooring) with a minimum of 12 mil wear layer (but the higher this number the better off you are).

While these cost a little more, depending on the rental, it can give the feeling of luxury, without costing a lot.