I will invest capital to subdivide with the county, engineer the land and run sewer/water to the lots for resale and potentially keep 1 lot to build a future house. 

I've been converting unique buildings for quite awhile, very much as a side hustle, until recently.

I have a strong credit score and expect I would be able to get approved for this mortgage.Monthly taxes = $155/month ($1,860 annually)Annual insurance = Estimated $166/month (~$2,000 annually)Annual HOA = $196/month ($2,352 annually)Maintenance = Estimated $250/month ($3,000 annually) (0.5% of property value given that this is a newer build.

I have a decent apartment building in Hagerstown Maryland with a nearly useless garage.

Brand new build, so no maint or cap-x for years making #'s simpler to flesh out

Lots of lenders in the STR space will disguise themselves as a low doc or DSCR loan when it really is more of a pseudo-conventional loan or a DSCR/Conventional hybrid, and as a result they will ask you for the necessary documents from a DSCR/low doc loan plus documents that would be necessary for a conventional loan (personal income, mortgage payment history from all owned RE, etc.)

Had a person refer me over to Daytonloan Acquisition || Your trusted lending partnerSomething seems off but the head guy has sent me references that I am going to follow up with and business documentation. 

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

U need money to transact in RE.. other wise become an Agent or a lender and make fee's to build up your money bucket.

Both of them are by the bedroom and this new one I just completed a master bedroom build added on to the back of the house with a private entrance for myself so I’m currently renting out the other 3 beds.Which cost me thousands more than I expected due to contractors not performing like I had expected etc etc.