The client would need 10% down, 2 years experience in the industry, and a credit score of at least 650.

The rate which you finance the loan is based on your credit and a host of other things they look at debt/income ratios etc.

Back then, you could take the check ed Mcman sent for$ 6,000,000  to a lender,  have no job and a 500 credit score  and get about a million,  albeit,  at 10%.  

Also, my credit is only in the mid 600s so its not the best and I would like the lender to worry about the asset rather than my personal credit.

I would like to ask my Credit Union for a list. 

I have the driving for dollar database and marketing systems, she negotiates with sellers, we split the money going in, she uses her credit on the refinance, and I also have the construction systems.

If I were to start real estate all over again with no credit and no money, I would start by getting awesome at finding deals. 

I have asked for a cosigner who currently has the adequate income to make the rental payment and a good credit score. 

I'm in the process of repairing my credit after a bout of identity theft.

These are general guidelines for bankers, however there can be flexibility depending on deposit balances, personal credit score and history with the bank.