Supply is low low low.

Your Credit Score: 680+ or 700+ will get you better terms depending on the lender. 660 is the minimum for many lenders. 

We look at everything from experience, credit, the project, and much more.

(Ok, maybe people with bad credit who don’t care if you send them to collections or if they damage your property, because they don’t have anything.) 

I understand that one needs to have separate bank account and possibly credit card to separate rental income and expenses but just asking about from the tax filing purposes. 

Like I said this will vary dependent on the lender, experience, credit score (not as important as traditional financing but can help).

I'll probably call my credit card company and tell them they defrauded me and refund me money to cancel the transaction since they are not providing the service they promised they would. any other course of action recommendation from bp members would be greatly appreciated? 

So what is a reasonable low?

If you’re only requiring them to pass HUDS standards then your bar is low.

Not to low either, you don't want to go with someone who is just focused on price as this is a quality of a not so great accountant.