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

If you get two nearly identical offers where one is asking for you to pay their agent 2.5% and the other is asking you to pay 3%, you get to decide if that .5% is worth it.

Going off of what the others said about AD Mortgage, this is what I found (note: I do not know anything about AD Mortgage beyond what I found in these links as I do not have experience with them):Here is the BBB link that shows they are accredited:https://www.bbb.org/us/fl/hollywood/profile/mortgage-broker/...Here is the NMLS number that verifies they are registered:https://www.nmlsconsumeraccess.org/Home.aspx/SubSearch?

Verifying last 2 years of rental history very important!

Then verify your findings by contacting property managers, talking to other investors in your area, etc.

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

There are many Business Loan Applications, which are virtually identical and carefully worded, that you can find online.Hopefully, your lawyer includes a Certificate of Non-Owner Occupancy in your loan package, and language to that effect is liberally mentioned in your note and mortgage/deed of trust.Consider obtaining a script offered now by some lending attorneys that you can use to interview your borrower about their intent during a recorded Zoom call.

It's not really true loyalty program it's actually more a way to verify their underwriting and get more and more comfortable with you as a client/customer.  

This would be very much like a borrower having the property rented at break even.So in short, a LO simply saying "he wouldn't finance" without running full credit and verifying income would be short sighted, in my opinion.July 3, 2022To Whom It May Concern,On November 14th, 2018 one of our holding LLCs, [LLC Name Redacted], entered into an agreement for sale on the property at [Address Redacted].

I'm sure you're very knowledgeable and you've been doing this for so long, you have forgotten how us new people need to "trust, but verify" still.