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

If you haven't had to file your taxes with that income yet, there are some lenders (i.e. credit unions) that might work with you if you provide copies of leases.

I’ve used a small local farm credit union, and even for them, it was tough to get 25%.

I'm buying in cash and I have a credit score in the 700's.

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

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

I would recommend talking to local banks and credit unions in your area.

So I recommend using credit unions, small banks or private money lenders, rather than big banks.

There's a long line in front of you who have a better relationship with that broker (unless you're targeting under 50 units as not as many people target those).For the smaller ones (10-30) you can talk to local credit unions or banks, but once you get above $1M loan amount that's not financed through banks.

I would suggest shopping around for a bank or credit union that can do better.