Options for investors with low credit
- Fix & flip: up to 90% of purchase and 100% of rehab, and up to 100% on the right deal
- Commercial bridge: up to 65% on most commercial property types for scores under 600
- Fast50 rental loans: 30-year fixed at 50% LTV with no minimum credit score
- No-credit fix & flip: up to 100% of cost, capped at 75% of ARV, loans to $750K
- Business funding: revenue-based programs with no FICO minimum
Why the property matters more than the score
Asset-based lenders protect themselves with equity. The more equity or discount in the deal, the less your credit score matters. That's why a 50% LTV loan can ignore credit entirely, while a 90% loan still needs a reasonable score.
Honest expectations
Rates and fees for credit under 600 are higher than our standard programs. We'll show you every option before you commit, and many borrowers refinance into better terms after 12 months of on-time payments and credit repair.
Real Estate Loans for Bad Credit: terms at a glance
| Fix & flip | Up to 90% purchase / 100% rehab |
|---|---|
| Commercial bridge | Up to 65% LTV |
| Rentals (Fast50) | 50% LTV, no credit minimum |
| Bankruptcy | 1 day after discharge on Fast50 |
| Business funding | No FICO minimum on revenue-based programs |
Terms shown are representative and subject to underwriting, appraisal and state availability. All loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.