Actually yes, depending on FICO, property type and income verification, up to 75-80% CLTV Cash out on Investment properties. 

Also have a solid application that asks important info and you should also do a rental verification when possible.

I just started in past year doing employment verification's by first having them submit a paystub with application.

Congratulations and welcome to to Bigger Pockets. 

They don't require income verification (tax returns, paystubs, etc.), but are based instead on the cashflow of the investment. 

(b) Give the tenant the right to vet and place a long-term tenant (background, credit check, income verification, rental history), with the landlord's approval, in order to take over the lease.

I also looked at the no income verification loan option.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

I mean, I'm not going to provide any non public information on our borrowers to you for verification but, I am attesting to you that I have personally accelerated loans for covenant default of the due on sale clause.

is it better to to pay less down payment and pay off the closing cost of hard money loan or pay more downpayment and finance closing costs?.