Equity-First Financing When Credit Is a Constraint
Investment property financing for borrowers with credit challenges. Approvals driven by the property and equity, with pricing that reflects the credit profile.
Program Highlights
Credit scores in the 400s reviewed
Property-based approvals
Pricing typically starts around 10%+
Non-owner-occupied 1-4 unit and small commercial
Bridge, rental, and cash-out structures
45 states covered (not AZ, MN, ND, SD, VT)
Frequently Asked Questions
What is the minimum credit score?
There is no hard floor. Borrowers with scores in the 400s can qualify when equity supports the loan.
What kind of pricing should I expect?
Pricing typically starts around 10%+ and reflects credit, equity, and property type.