So I use rentredi for my applicants and their screening is through Transunion which doesn't provide a credit score but a resident score. 

Wonder if other landlords had the same situation: I found the applicant's public record from zillow rental manager credit report, like former addresses and former employers are from someone else's  (with same first and last name). 

Quote from @Nicole Matteson: Hi BiggerPockets community,I’m a rookie investor preparing for my first rental and looking for guidance on funding options, as well as potential connections with private lenders.Quick background:W-2 income: Physical therapist (stable, long-term employment)Credit: StrongDTI: 0 (all car loans paid off)Dependents: NoneStrategy: Buy-and-hold rentalMarket: Out-of-state investingExperience: First deal / rookieTarget deal range (flexible):Purchase price: ~$50k–$150kEstimated rehab (if applicable): ~$10k–$40kTotal capital needed: ~$70k–$190kGoal: Conservative, cash-flowing long-term rentalI’m currently evaluating different funding paths and feeling stuck despite having strong personal finances:- Personal loans: I qualify but prefer not to use them due to potential credit impact and limited scalability.- Portfolio loans: I’m interested but unsure how to approach local banks or credit unions, especially as an out-of-state investor.- Private money: I’m actively learning how private lending works and what terms typically make sense for a first-time investor.My long-term goal is to supplement and eventually reduce reliance on my W-2 income, transitioning to part-time physical therapy while building a sustainable rental portfolio.I’d appreciate insight on:- Funding structures that make sense for a first-time investor- Whether portfolio loans are realistic for out-of-state rentals- What private lenders typically look for when working with a rookie borrower- How to structure a low-risk, lender-friendly first dealI’m conservative, numbers-focused, and interested in long-term lending relationships rather than one-off deals.

You need to understand demand, zoning, rental strategy, path of progress, etc. 

We then show the unit, answer general questions, and if they ask about the application process, I will give them an application and advise them of the process.

They argue by proxy, make each other miserable rather than communicating with each other, sue each other and spend a fortune avoiding direct communication because they progressively piss each other off.

But when your in the path of progress, progress happens. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

I'd recommend going light cosmetic / turnkey for your first one to get your feet wet and then maybe progress to a BRRRR on your 3rd or 4th deal.

I was able to log in with the new password, but when I tried to access applications, I received an error message stating the information was only accessible under an email account that I don’t recognize.When I attempted to list my property for rent, I got another error message saying I don’t have access to do so.