Setup time to speak to a few of them to learn more about their model and get a feel for how they answer your questions, how they treat you during the call.Be prepared to share your net worth, income, and investment history with them if you want move forward.For the ones you like (after speaking with them), maybe have them send you example investor communications on prior deals so you can see how they communicate to keep investors informed.Once you've narrowed it down you'll want to further evaluate the sponsor Track record, references, etc.Have them present a past deal in detail to try to understand their assumptions, are they conservative, etc.You can use the BP Tenant Screening tool to get criminal and credit history.

Credit unions I've found to be easier for primary and HELOC lending for whatever reason. 

The ones that are good deals they might buy it from the student directly or partner with them.I am talking about the industry in general and not about a particular company.If people go to these events leave the credit cards at home.

Lenders have some great loan programs that allow them to credit a percentage of the rental income, from the other leased units, to your income.

The borrower had 650+ credit and the loan to value was 75% (closed with no income verification by the way). 

I currently have no debt, $67k income, 6k saved, 800 credit, first time homebuyer in Texas, and I would live 100% exclusively in that home without renting to anyone else, thus living alone.

Fortunately, but for the "my mom" case, I have head all off.I must give them too much credit in assuming that if you have an animal, your selection will be limited, just like a smoker.

There is a lot more that goes into underwriting a loan besides down payment and credit score.

If they’re trying to salvage their credit and just need to find somewhere to move, maybe they would be onboard to work with you to get their other loan paid as long as they have time, and maybe some assistance, with moving.

What I want is the ability to get something like a line of credit set or pre-approval as it were up so I can be confident when going out and shopping for deals that I have the funding to back up my offers.