I'm just trying to to put the best product out as possible, plus my rehab costs were not as much as I expected.

My goal to to invest in real estate through out New England as well as other states through out the country. 

I'm NOT a big fan of doing flat rate %s to to budget.

People don't take the time to Google, let alone do a real verification. 

Hi @Kimberly H. and @Bettina F. if you are using an online screening service like TransUnion SmartMove the applicant will enter his or her SSN online and verify his or her identify through verification questions so you as the landlord wouldn't need the SSN to run the credit report with a service like this.  

-MattYou should try to do the 10 conventional loans first because the money is cheaper, but with portfolio/commercial rates in the mid 4's and 5's on a 30 year fixed for a 1-4 unit property, I see more people just foregoing the hassle of income verification, particularly since CovidStephanie 

. :)HELOC with TD seems a limited road, since they are doing a lot of income/employment verification on myself.

Get as much verification as possible by scouting for his advertising  and getting someone who can verify it is in fact a  daycare other then the neighbor who may be totally correct but has a history with the issue. 

I also believe syndications that file a 506(c) need this verification as well but don't quote me on that.

I would look at a lower credit score but only if you do a rental verification and collect a double deposit.