I’d recommend shopping around with different DSCR lenders and considering lenders who specialize in investment properties for more flexible terms and options.Good luck with your investing journey!

And before any foolish comments; if going to make joke how I specialize in working with "just" investors, trust me than you don't know who I am or what I do and some D.D> first would be in order as I am to REI Agency what Arnold is to bodybuilding, a whole other universe my friend, a whole other universe. 

DSCR loans go up to 80% of the purchase price and depending on the Debt Service Coverage Ratio and your credit score you can expect rates on a 30 yr loan ranging from High 6%- Mid 8%. 

.: I haven't passed this past legal review so for what its worth: Part of my standard requirements for everyone include income is at least 3X rent, minimum credit score, say 640, Clean record and no evictions as well as deposit is paid in full at signing of lease and 1st month rent is paid in full prior to handing over the keys.

I specialize In helping investors like yourself locate, and secure investment properties and provide a hands off experience along the way.

I can buy a 2-4 unit with 20% down vs conventional can only buy a 2-4 INVESTMENT property with 25% down 4. there are options where DSCR loans dont repot to personal credit, helps in not having to show a bunch of paperwork or not one person in a partnership has to carry the debt5. way less paperwork to close on this loan type vs a conventional loan. we care about the income of the property you're buying and it's ability to service the debt of the property whether we use long term rents income, lease income, or air dna/bnb income.6. easily buy in partnerships, add people to your operating agreement, its as easy as that so bring partners into a deal. helps with scaling and raising capital or getting partners involved7. gift funds allowed to close on these as well, and like I said earlier, there's only a 10day seasoning period of funds with some lenders so that means you can literally have a private money lender deposit money into your account 11 days before closing, and you can use those funds to close!

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

What they said.....everyone over the age of 18 has to have a background/credit/ ID verification and sign the lease.

Look at it more like a credit card.

I’d love to connect & discuss my goals further, especially since you specialize in long-term, turn-key properties, which are exactly what I will be focusing on as an investor.I’ll definitely check out the podcast you shared to learn more about turn-key investments.