Do some banks or credit unions let you refinance at 90% LTV?

They have credit scores of 760 and 670 and just moved to the US two years ago.

Build a strong financial foundation by aiming for a credit score of 700+ and saving for down payments, closing costs, and an emergency fund.

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

Portfolio lenders or credit unions may offer flexible refinancing options, while creative financing can improve cash flow.

I am in the process of settlement on my 1st property in 1 week. i have a 5% down conv loan thru a credit union bank. this a duplex and is a row house. i plan to live in one unit and rent out the other. the seller is also selling the duplex property next to it.

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

Seems pretty standard, VA isn't as tied to credit scores as conventional would be. 

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Has anyone ever done a partial replacement to copper with dielectric union and given anyone issues over a few years?