For most lenders, the answer is no. ​ A borrower reached out this morning needing a refinance to cover an upcoming balloon. ​ This was the first investment property they’d bought in 5+ years. ​ They bought it with a hard money loan, rehabbed it, intended to flip it… and then it sat. ​ Now it’s time to pivot, hence the refinance. ​ Here’s the problem. ​ Most lenders want to see recent investing experience within the last ⚠️36 months⚠️. ​ So even though this borrower owns rentals, their older experience doesn’t “count” for a lot of lenders. Some would disqualify them without even looking at the property’s numbers. ​ Thankfully, we’ve run into this before. ​ We’re taking them to a lender that will: 👉 Qualify a borrower based on rentals they currently own 👉 Qualify a borrower if they own their primary residence ​ In other words, they look at the full picture, not just a 36‑month window. ​ If you’re coming back to investing after a long hiatus, keep this in mind when you’re shopping lenders. ​ Old experience doesn’t always show up as “experience” on a lender’s matrix. A lot of this game is about who you know and which guidelines they actually use. ​ For those of you who’ve taken a hiatus: ❓How long has it been since your last deal? ❓Have you ever been told you were “inexperienced” even though you own rentals? 👇Share your experience in the comments so others can learn from it ​ P.S. If you’re worried this might be you soon, comment “INVESTOR” with how long it’s been since your last purchase, and I’ll reply with a few things to prep before you talk to lenders so you don’t get surprised at refi time.

Here’s where I had to correct them. ​ Every week I talk to investors who want to grow their portfolio using “investor‑friendly” loans like DSCR or hard money. ​ The issue is they rarely think through what *qualifying* actually looks like. ​ Most assume “investor‑friendly” means it works like a private money lender: ​ No credit check, no background check, purely relationship‑based. ​ That’s not what it means. ​ “Investor‑friendly” is closer to: ​ “We’ll give you a loan if the *deal* and *strategy* make sense and the numbers work.” ​ So lenders are looking at: - The value of the home ​ - Expected rent vs total payment ​ - The *borrower* and their track record ​ ​ In other words, in an “asset‑based” loan, the borrower still matters. A lot. ​ I’ve had several cases where a borrower had solid investing experience but a sub‑660 credit score and **still** got a DSCR loan. ​ How? ​ They brought trusted partners into the deal and split ownership. ​ Those partners had stronger credit and became the guarantors on the loan. ​ Is it more ideal to be the sole owner? Of course. ​ But if the choice is a slice of the deal or no deal at all, most serious investors take the slice. ​ If you haven’t really considered how your credit score affects DSCR or hard money options, it’s worth thinking about before you’re mid‑deal and stuck. ​ ❓Have you been limited on funding options because of your credit score, debt to income, or anything else? Share it in the comments and let's see how we would combat those issues today.

Looking to help with another type of creative acquisition! This carousel of information was made to spark questions and doubts on whether a transaction like this exists. If there’s anything you have questions about how this acquisition structure can work for you, lemme know! I'm structuring, funding, and closing these deals now!