You can always go to a commercial, portfolio or hard money lender and get the rate quoted but it's going to be much higher as soon as you step out of the Fannie/Freddie domain.No offence Max, I feel the same way as you when I'm on the borrowing end of things, even if I know the reality of the business.

No criminal records, no late payments on credit check, great rental history etc.  

Do you want to make it easier for criminals to target your property?

We have strict rules on credit, criminal, and eviction records.

These days, I used "Homeadvisor.com" to search for contractors, and they advertise that they run license checks, criminal background checks on contractors that go through their site.

There are too many innocent deaths from criminals of this nature. 

Past evictions, significant/recent criminal history, etc will be grounds for denial. 

That's not a true criminal offense. 

Basically, criminals don't follow laws/rules.

The crime is mostly criminal on criminal.