If a local bank was to give you a mortgage, there is no way they could control if you are creditworthy.

That give a better story of someone's creditworthiness than just a score.

These are leases from credit worthy national tenants, that tend to be extremely reliable and hold up very well in a downturn.

If the cap rate is comparatively lower, it indicates that more of a risk is involved.Factors That Can Be Used To Indicate More Risk Creditworthiness of the tenant• Location of the property• General volatility of the marketComputing Cash on Cash ReturnCash on cash return = annual cash flow before tax / total cash investedThis rate can be used in evaluating the cash flow from the income producing asset.

Spoke to my lender and he said he would just combine our applications and credit worthiness to create a mortgage using our blended qualifications.

The rest of your credit worthiness status: credit history, experience, etc will determine how much variance they will make on that calculation. 

The biggest challenged we faced were finding Credit Worthy Buyers, it took two months longer than expected!

And don't be surprised if a lender uses another proprietary credit worthiness score instead of or in addition to FICO.

The bill would prohibit certain entities, including a housing provider, from using an alleged default in rent that accrued during the effective time period as a negative factor for the purpose of evaluating creditworthiness or for other specified purposes."

Yes depending on creditworthiness minimum of 100 up to 300.