I have a good credit score but have never taken out a loan of any kind, and I also have little to no reported income for the last 8 months.

No way around a background eviction and credit check fee.  80% - 90% occupied in each building.  

Some banks have different requirements, but two that I work with structure loans as follows:Bank 1:  is a local portfolio lender, requires a 6 month season period, does 15-20 year notes with 5 year variable interest, super quick turn around on refinancesBank 2: is a credit union that does commercial loans, doesn't require a seasoning period, but does require a lease to be in place, does 15-30 year notes, rates vary depending on note term, and they will allow a 10 year period before the rate changes, super slow turn around on refinancesI opt for option 1 because I don't like to be slowed down for 3-4 months waiting for a refi, but I also have a great relationship with my bank, and tell them what other lenders are doing and see how closely they can match the competition. 

I would read them.. get a feel for them.One constant was it seems most people that buy these at least according to their flowery letter.. they too were down and out they too went through foreclosure they are just there to help them and save there credit.. 

@Joe Johnson, one way to look at it is this: If you took a maximum (line of credit?)

Also, do I have a right to see tenant credit report and lease agreement?

I’ve looked for smaller local banks/credit unions in Brooklyn and NYC area but didn’t come up with any that folks recommended on here.

My credit is not awesome (625) and we have about 15,000 in liquid funds right now and our other Airbnbs bring in 5,000 gross/month.

A line of credit should be establish first with the lender to help the underwriting process close within a week.

If your liquidty and net worth can support a line of credit of $400k you shouldn't have trouble locating a loan.