Hi @Brandon HansenHere is a simple tip for youThis website is a great reference point for figuring out what each area is like. https://www.areavibes.com/It gives you a total LIVABILITY score for each street and zip code.

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.

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

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

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. 

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