Do you have a list of application guidelines what you require as far as a credit score employment income, all occupants over the age of 18 must complete a separate application as well as pay for and pass a separate credit check.

I'm currently on track to graduate with my BSBA this December from the University of Omaha Ne.

I live in California....So, I am looking for a project manager that can check in on the workers make sure they are on track & working to the best of their ability.

#1 - Your credit score.  

@Chris Murphy you are on the right track.

So what one bank might do, another might do something totally different.My guess is that any drop in value would have to be fairly significant for a lender to reduce your credit limit, but I have yet to see a lender actually put a number on it. 

The lender I'm currently using (local credit union) will allow bank statements showing proof of income from the property.

Oregon and WA is 2 to 3 and 10 to 14  20 to 30% down.those WITH experience and long track record with a certain lender can get near zero down deals..not going to happen for newbies or someone not know to the lender..

I do not currently own any rental properties, and I have a single mortgage now for my own house.Anyone care to comment about my chances of these mortgages going through before I even waste my time at a bank and take a hit on my credit score for a mortgage inquiry?

Could you get approved for a conventional commercial loan for a small apt property if you only had roughly 20k on your tax returns but have an excellent credit score, $0 debt, real estate owned free and clear, and cash reserves ?